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

In XX/XX/2018 I was loooing for a company to borrow a XXXX $ from quickly. I filled application out on line and a man called me we talked about the loan And he told me Id pay it back every 2 weeks on my payday and the fee was XXXX $ to borrow the XXXX $ so the total amount was XXXX to pay back. The first payment came out and I paid XXXX $ and then I got a email saying I owed XXXX XXXX So I looked on line first and it has a place to see payment schedule but when you try to open that page the website wont let you look at it. So Ive called 2-3 times and cant get anyone to answer phone I used the chat service online and was transferred to service department and no one ever responded. I dont know how to get out from under this loan now. I made the 2nd oaymen And now I owe XXXX $ And Ive already given them XXXX $ toward a XXXX $ Loan. Each 2 weeks with this large payment only XXXX goes toward principal. Such a rip off. I was told the loan total to pay back was XXXX now its going to take thousands to pay back and I cant even see exactly what the true payment schedule is. Im willing to pay the principal off immediately and be done with this horrible company I do not want to give them anymore of my money for what they call fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I divorced my spouse over two years ago and want my name removed from the mortgage at XXXX   and Trans Union credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that XXXX XXXX XXXX bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to XXXX  andTrans Union. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX, an employee of Huntington National Bank in  XXXX, Ohio obtained unauthorized access to my credit report from XXXX, XXXX and XXXX. I learned of the unauthorized access on or about XX/XX/XXXX. Although I am an account holder at Huntington Bank, I never applied for any type of credit or loan from Huntington and I never authorized the release of my credit reports to Huntington or anyone associated with that bank. On XX/XX/XXXX I spoke to " XXXX '' and XXXX XXXX at Huntington Bank ( XXXX ) and was told by XXXX that the credit inquiry would be removed by the bank. XXXX told me that she had " sent a request '' to the credit bureaus to have the inquiry removed. On XX/XX/XXXX I spoke with XXXX XXXX, reportedly XXXX 's supervisor, at ( XXXX ) XXXX. He also told me that he would have the inquiry removed from my credit report. On XX/XX/XXXX XXXX changed his story and told me that I would need to sign a statement and include my approval for the inquiry to be removed. XXXX claimed this was the procedure required by each of the credit bureaus. I asked XXXX to provide proof from the credit bureaus of such a requirement. He has not done so. I have never believed XXXX 's claim about the credit bureaus ' alleged requirement. On XX/XX/XXXX I spoke with XXXX XXXX at the bank ( XXXX ). She is said to be the manager of the bank 's " customer advocacy ''. She claimed she did " not understand '' why I would not sign the statement I did not think was required. On XX/XX/XXXX, I received a telephone call from XXXX XXXX ( XXXX ). He claimed he was another member of the bank 's customer advocacy " team ''. He stated that his primary goal was to " deal with removing the credit inquiry ''. All indications are that he has not even tried to do so. He has certainly not put anything in writing as I asked him to. Each of the above mentioned persons ( some more than others ) has a tendency to interrupt, be argumentative and make excuses. One thing they have not done is correct their unauthorized inquiry into my credit report. On XX/XX/XXXX I spoke to representatives of XXXX, XXXX and XXXX concerning this matter. To a person, they each unequivocally stated that their credit bureau requires the bank to remove the inquiry and that they do NOT require ME to do anything. Each credit bureau representative also confirmed that the bank has done nothing in that regard. The people I spoke with are XXXX, a supervisor at XXXX, I.D . XXXX at ( XXXX ) XXXX ; XXXX, a supervisor at XXXX, at ( XXXX ) XXXX ; and XXXX at XXXX at ( XXXX ) XXXX. XXXX offered to contact the bank on my behalf. The bank 's response, or lack thereof, to that contact should be interesting to note.
Product: Credit card

Over the past year I have noticed that every time I pay my credit card by mail I get dinged with a {$40.00} late fee. The few times that I made a payment by phone, the payment was fine, but I have had over XXXX late payments applied to my account due to Synchrony supposedly not receiving the payment on time. The past XXXX months I have had late fees applied to my account every month even though I have sent payments in 10 days prior to the due date. This past payment was brought to post office for direct mailing and i was told that the payment should not take 10 days to get from the XXXX XXXX to the XXXX XXXX. As of today XXXX Synchrony is claiming that they have not received my payment which was mailed on XX/XX/2024 and due on XX/XX/2024. My suspicion is that Synchrony is purposely delaying picking up the payments from their XXXX XXXX XXXX after due dates. I have no way to prove that they have received my payment unless I send XXXX certified mail which is costly and unnecessary. 
I don't appreciate being scammed by this bank or b being charged repeatedly for late payments when the payments were sent in a timely fashion. I am asking that all late fees for the last XXXX months be rescinded.
Product: Money transfer, virtual currency, or money service

I have a Coinbase account they made the mistake and they have locked me out of my account. I call coinbase there customer service is horrible. I transferred out some funds to cover some bills, Coinbase sent it to my savings instead of my checking. I sent the money back to coinbase so I could send it to my checking done, but a day later i try to use my coinbase debit card and it is declined. I call coinbase they tells me I owe them XXXX dollars, i look at my checking and saving and sure enough the money is still in my savings account i try to send it and my bank accounts are unlinked. I link them and send them the money and I wait for it to clear. I call them and they still have my account blocked that was XXXX XXXX coinbase customer service says they will escalate but they will not get a supervisor or manager or will they supply you with any other phone number or email. I call every other day and nothing they always say the same thing we escalate, they will email you but no one ever does.they make it seem that I did something wrong when its coinbase fault I am no computer wizard I paid them there money it cleared my bank and they still have my account blocked, they verify me and give me the run around. Today XXXX now they say until XXXX XXXX I am afraid that the little I have they are trying to steal it or misappropriate my funds I am already a XXXX citizen and I feel they are trying to take advantage of me. Can you please help me
Product: Credit reporting or other personal consumer reports

In XXXX, while I was away XXXX XXXX XXXX XXXX  my father obtained more than XXXX XXXX in fraudulent debt/credit in my name. While I have been able to have most of this fraudulent activity removed, there are some accounts/creditors that remain. I did not receive any benefit from these accounts nor did I know anything about them until XXXX I filed a police report but can not access a copy, and have been unable to file another report due to my traveling schedule. I have submitted several fraud investigations with the credit bureaus but they have not taken the appropriate action.
Product: Credit card or prepaid card

Each month I am being charged late fees on my remittances. My bank, XXXX, releases my remittance checks 7 days in advance of the due-date. However, COMENITY CAPITAL BANK - DentalFirst Financing, always resolves said remittances in 8-11 days, resulting in missed due-dates and charged late fees. 

XXXX sends out checks on my behalf from their XXXX XXXX, TX processing center. Zipcode XXXX. The receiving bank Comenity 's receiving address is XXXX XXXX, TX, zipcode XXXX. 

Yet, they insist that my payments take between 8 and 11 days to get to their center for processing, resulting in late fees. I THINK NOT!! 

I wrote to them in XX/XX/2019 complaining of this issue. They responded by telling me that it would take up to 90 days to conduct a full investigation. However, in XX/XX/XXXX they wrote to say that they received my XX/XX/XXXX payment late. In actuality, it was sent on XX/XX/XXXX but they claimed to have received it on XX/XX/XXXX. 

They have yet to address my main concern that their internal process is at fault here and not the USPS or MYSELF.
Product: Debt collection

1. ) I was treated at ER as result of a WORK ACCIDENT XX/XX/XXXX when I was driving a cement mixer truck of the company XXXX. 
2. ) The police was present and they DID NOT GIVE ME A TRAFFIC OFFENSE CITATION, because the accident was result of the rainy weather. 
3. ) A representative of my employer ( XXXX ) was present at ER and gave the information about their insurance company. 
4. ) On XX/XX/XXXX, I received a letter from XXXX inquiring me information about the responsibility of this charges. 
5. ) I immediately submitted the information online and by phone call. I got a confirmation e-mail and they stated that will be in contact if they would have additional questions. 
6. ) XXXX XXXX, did not contact me anymore.however XX/XX/XXXX TRANSWORD SYSTEMS INC. sent me a letter for collection. Immediately I sent a letter to Transword Systems and to my ex-employer XXXX, to let know them that I do not owe this debt and they have to direct the collection to the insurance company. 
7. ) TRANSWORD SYSTEM INC. answered me that they can not effect a change to how the company have listed the account on my credit profile. And XXXX XXXX XXXX, sent me a e-mail, let me know that they informed to the insurance company in timely manner. 
TRASWORD SYSTEM INC, advised me that I should to contact to you ( FTC ) to file a complain about the way of the debt collection, because in the statement of account contains the insurance information.
Product: Credit card

Visa ( and probably XXXX ) process charges in XXXX day but do n't process credits for XXXX to XXXX days.This unnecessary and unfair.
Product: Debt collection

I received a notification through one of my credit monitoring apps that a negative mark had been placed on my credit report. I immediately checked and the only information reflected on my report was that it was a collection notification from Choice Recovery. I have excellent credit ( just purchased a home and vehicle without any issues ) and I do not owe anyone any outstanding debt. I believe this is an inaccurate notification on my credit report by Choice Recovery in that I have never received any written notice or telephone notice regarding a debt owed by Choice Recovery or any other creditor. I believe this is either an honest mistake by Choice Recovery or a blatant disregard for the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and violates my rights under both by not sending any form of debt validation requirements under these statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not formally create a dispute for this issue, but the fair credit reporting act says that creditors or furnishers must be accurate, fair, and complete in their reporting of data and as you can see from the attachment, there are 5 errors/missing data on my credit report. I have made several complaints and all the credit bureaus have validated the account to be accurate several times but how can they do this when there is data missing as the furnisher can't pick or chose what they want to report it has to be complete between the time the furnisher first reports through the removal of this account as they must manage it completely and accurately and fairly so why are their 5 missed months!?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Product: Debt collection

They actually have 4 of my credit cards XXXX for XXXX, XXXX XXXX for XXXX, XXXX for {$2.00}, XXXX and lastly Best Buy for XXXX something and that's the amount that's Im disputing cause my credit report shows XXXX. They are not trying at all to make meaningful settlement negotiations for the other 3 cards and they claim theyre going to " investigate '' the amount of the best buy card but in the meantime they listed it on my credit report when Im trying to fix it they want 1k + a month, I cant do that! they want a lump sum for 40 % off with no monthly payment so they are effectively not working with me.
Product: Student loan

I keep getting calls at work from a third party collection company called performance collection. They have called my bosses family and friends asking if they know me, calling my job after they were ask by my boss not to disrupt me at work. My friends and family. It needs to stop. I cant function at work and my HR is getting irate. But to call my bosses mother in law thats too much. Please help!!!!
Product: Credit reporting or other personal consumer reports

i have recently discovered that someone has been using my personal information to obtain goods and serives using my identity, enclosed are supporting documents to support my claim on identity theft.
Product: Debt collection

I received a letter from Sequim Asset Solutions regarding a past due amount from XXXX XXXX. I had been in contact with XXXX numerous times regarding their incorrect charges for services they were not able to provide, have been told this would be escalated and resolved and despite numerous calls and hours being kept on hold they have never responded or corrected the bill so I refused to pay. I also put this in writing and mailed this statement to Sequium Assets on XXXX which was prior to their stated dispute final date of XXXX however they still put this collections on my credit report and never reasoned to my written dispute. I have also called Asset and was told the will note my account and look into it but could not tell me why they still sent this to collections despite having my dispute prior to their deadline.
Product: Debt collection

I called XXXX XXXX XXXX for an explanation of the alleged debt of {$300.00}. They then said it was from a previous debt of {$890.00} that was already in collections. That they have a new policy since XX/XX/XXXX of 2023. For them to resubmit collections every 6 month if not paid.So they submitted an alleged amount of {$300.00} to a new collections agency CREDENCE RESOURCE MANAGEMENT , LLC. I asked if that ethical and legal which they told me yes. And they will continue to report every 6 month until the account is paid.
Product: Mortgage

I have a problem with ; CHASE My mortgage account with them is XXXX XXXX My XXXX 2017 mortgage payment was due XXXX 2017. The terms of the note allow 15 days from the due date to make a payment without penalty. 
On XXXX, 2017 at XXXX local time from Hawaii, I went online to my account with Chase and made the required mortgage payment. The payment was made within the allotted grace period time. 

They charged a late charge anyhow. 

I asked them to remove the late charge. 

1 ) They sent a letter to me refusing to remove the late charge 2 ) They sent a letter to me that assigned a dedicated relationship manager to the account with a " direct contact '' phone number. The letter is a lie. No direct contact number is provided. Only a general phone number in which I am forced to listen to a voice menu of five minutes in length. Despite repeated attempts to reach the " dedicated '' relationship manager I have remained unsuccessful. 

I want ; 1 ) A written apology 2 ) A reversal of the late charge 3 ) Reimbursement for the loss of my time 4 ) An investigation into the practice of assigning nonexistent relationship managers and the deliberate lying practice of assigning a " direct phone number '' when no such number is provided.
Product: Credit card or prepaid card

-Opened an American Express Delta SkyMiles Platinum card the first week of XX/XX/2023, with first transaction taking place XX/XX/2023. 

-Card features a welcome bonus offer that I am eligible for : " Delta SkyMiles Platinum Cardholders can earn XXXX Bonus Miles after {$3000.00} or more in eligible purchases are made on the Card within the first 6 months of Card Membership. '' -My account achieved the {$3000.00} threshold on XX/XX/2023. 

-In total, more than {$26000.00} of eligible purchases have been made on the card to date. 

-Cardmember agreement states that XXXX account will be credited with the bonus miles within 8-12 weeks after achieving the {$3000.00} in eligible purchases. In practice, these miles are normally credited within a few business days of achieving the threshold. 

-As of this report submission on Monday, XX/XX/2023, American Express has not yet credited the bonus miles. 

-I have contacted American Express via phone and online chat a total of five times since XX/XX/2023. 

-They have acknowledged that I am eligible for the bonus miles, yet still have not credited the miles to my account. Currently, 16 weeks have passed since I achieved the requirements for the bonus miles. 

-Most recently, in an online chat on Friday, XX/XX/XXXX, I was told that the issue would be escalated and resolved within 5 business days maximum. When that did not happen, I reached out via online chat again on Friday, XX/XX/XXXX. Agent again acknowledged that the bonus miles should have been credited already but indicated " As of now, there is no ETA has been provided by them. However, once the issue resolved, we may notify you with an update. '' -American Express has breached the Cardmember Agreement and still has not provided a solution to the issue.
Product: Student loan

I received a collection notice from Solomon and Solomon P.C. of XXXX XXXX XXXX, XXXX XXXX XXXX regarding a XXXX XXXX XXXX XXXX XXXX XXXX loan that was apparently originated around XXXX. I have not received any information about the original loan, no copies of the original loan application or documents and no proof that this loan is indeed my responsibility, but it is certainly not my personal debt since I have n't been a student since XXXX. I have helped my XXXX sons get through college, however, and XXXX of them did attend college in XXXX until XXXX, but again, I have n't received any original loan information, so I have no way of knowing if this is his debt. All I have received is collection notices demanding {$22000.00} of which they now claim {$21000.00} is principal and {$430.00} interest. In XXXX XXXX, they claimed {$12000.00} was principal and {$7500.00} interest. In XXXX, they raised the interest to {$7800.00}. So now they 've changed the interest due into principal due. 
Secondly, in XXXX XXXX, Solomon and Solomon served me with a Civil Summons for which I had to file an " Appearance '' with the " CLERK, SUPERIOR COURT, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX '' by XXXX XXXX, XXXX, which I did. I also sent Solomon and Solomon a copy of my " Appearance '' form. They then asked the court for a " Motion For Default - Failure To Plead ''. The court responded thus : " The foregoing, having been considered by the clerk, is hereby : ORDER : DENIED. The person sought to be defaulted is not a party to this case ''. Then on XXXX/XXXX/XXXX, Solomon and Solomon filed yet another " MOTION FOR DEFAULT FOR FAILURE TO PLEAD '' with the court against me for " failure to file an Answer in this matter ''. I have n't been asked to plead to anything. The only action requested of me was to file an " Appearance '' by XXXX/XXXX/XXXX. Since I have n't been told anything about the original loan and nothing about how I may have acquired this debt, I consider this not only heavy-handed, but also a devious tactic because they are requesting something that has already been denied, perhaps in hopes that the court will inadvertently contradict its prior ruling. 
XXXX, I am considered " Totally and Permanently XXXX '' by the XXXX and also by the XXXX. To continually harass a XXXX American over a debt he knows nothing about is outrageous. I am considering what options I may have against Solomon and Solomon for their intimidating tactics and constant correspondence demanding more and more money including attorneys fees and absurd interest charges ( that somehow turn into principal debt ). 
I will gladly forward copies of any paperwork I have regarding this matter as well as proof of my XXXX status. Thank you for taking the time to review my information. Please help me if you can.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will XXXX  XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
PROFESSIONAL DEBT XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
PROFESSIONAL DEBT XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.