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

I just recently ( XX/XX/2018 ) found information about " payday '' loans, or short-term loans on the Office of the Commissioner of Financial Regulation for Maryland that the interest rate that is allowable under law on the first {$1000.00} of a loan of {$2000.00} or less to be 2.75 percent per month or an annual interest rate of 33 percent. 

During a period of when my husband was not working ( nearly a year ) following XXXX XXXX XXXX, we fell into some disparate times and I was forced to take some short-term loans. In doing so I realized that I was being charged nearly 4 times the amount borrowed back with an interest rate of 534.26 % yearly. At this rate, I will never get out of debt. 

For {$500.00} borrowed @ this 534.26 % annually, I am paying back {$2500.00}. These people are taking advantage of people because we don't know the law, or we are not searching the law to know that we as consumers have rights too.
Product: Debt collection

I sent this company a cease and desist on  XXXX   XXXX ,  2015 .     On  XXXX   XXXX ,  2015 , my attorney received notification that the debt was removed from my  XXXX  credit report.     Now, under the name of a different collector, the debit has been added back to my credit report. This time it is showing on  XXXX , not  XXXX .
Product: Credit reporting or other personal consumer reports

As a consumer who takes pride in maintaining a responsible financial profile, I find it deeply troubling to report that despite submitting comprehensive documentation and police reports to XXXX, Equifax, XXXX, and XXXX regarding fraudulent accounts on my credit report, as well as over 120 inquiries over the past couple of years, no substantial action has been taken to rectify these issues. This lack of response not only undermines my trust in these credit bureaus but also indicates a flagrant disregard for their duty to protect consumers like myself. Furthermore, their inaction constitutes a clear violation of my rights as a consumer and flies in the face of federal laws and acts established specifically to safeguard consumers from such injustices. It is imperative that these agencies uphold their responsibilities and take immediate and effective measures to rectify these errors, restore the integrity of my credit report, and prevent similar occurrences in the future.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquires are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX I - XX/XX/XXXX XXXX. XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding a disputed collection account. The account in question is being reported by XXXX XXXX XXXX XXXX ( Account Number : XXXX, Amount : {$900.00} ). 

I disputed the account under XXXX XXXX. XXXX ( a ) ( XXXX ) and requested full verification, including : The original signed contract. 
A complete payment and charge history. 
Proof of the collection agency 's legal right to report this account. 
TransUnion failed to conduct a proper investigation and continued to report the account without verification, violating : XXXX XXXX. XXXX ( a ) ( XXXX ) ( Failure to delete unverifiable information ). 
XXXX XXXX. XXXX ( b ) ( Failure to ensure maximum possible accuracy ). 
Supporting Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) XXXX XXXX Trans Union XXXX ( XXXX XXXX XXXX, XXXX Cir. XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX showing on my consumer report, associated with XXXX. Advised by XXXX  I have been removed from Financial Responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive tried for the longest to shake off these accusations off credit cards, and usage of my credit. Ive went through XXXX XXXX the last 3 years surviving trying to take care of my XXXX XXXX children on my own and having XXXX XXXX I want to clear up this mouth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I signed up for a Citi Bank Citigold Checking account earlier this year. I signed up for the account as part of a promotion Citi Bank was running, whereby they promised to award XXXX XXXX XXXX miles to any new customer who completed a few requirements. I had never been a Citi Bank customer before and met all of the requirements ( two consecutive monthly bill pays and minimum {$1000.00} debit transactions ). When I signed up for the account, I spoke directly with a Citi Bank representative, and they confirmed to me that I was eligible and would received the points after completion of the tasks. It has now been over XXXX months since completing the requirements, and although Citi Bank confirms I completed everything satisfactorily, they have told me I will not receive the points. This seems unacceptable to me, as they told me at account signup that I was indeed eligible, and I have been paying a monthly fee for the account ever since. I completed all terms required for the promotion, but not they have chosen not to hold up their end of the deal.
Product: Credit reporting or other personal consumer reports

The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. 
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
Product: Mortgage

On or about XX/XX/22, a gentleman by the name of XXXX from Rocket Mortgage ran my credit without my consent. I complained to Rocket Mortgage and a young lady by the name of XXXX XXXX , Phone number XXXX XXXX, responded. She advised by phone that I really do not have to give my permission per se when I was asked about my date of birth and gave the last four of my SS number it was understood I was giving permission. I told XXXX, I wasn't interested in his product and never gave him permission to run my credit. The reason I gave him this information is because he said he wanted to confirm I was who I said I was. XXXX reached out to me on two occasions and on the last, didn't deny any wrong doing or take any credit for any wrong doing. I told her if anyone was to call me from Rocket Mortgage, my first statement would be to tell them, I didn't want my numbers run. I was civil the whole time but very unhappy with Rocket. XXXX, initially, stated she could stop the hard inquiry that XXXX made but was over ridden by sales or management figuring I was an old man and who would know. I have good credit and I am trying hard to keep it that way.
Product: Payday loan, title loan, or personal loan

I currently have 2 personal loans against my XXXX retirement account. The earliest of the 2 was initiated in XXXX and the second was XX/XX/XXXX. Since the loan dispersement dates I have always paid back my monthly payments in weekly increments and have always exceeded the minimum payments and at times have been paid a month or two in advance. For example the minimum payment amount for the larger loan is {$440.00} and I paid {$120.00} weekly. Today I noticed in my personal bank account two debits from TIAA in the amounts of {$440.00} and {$200.00}. I called and according to their website i made 4 payments of {$120.00} for the {$440.00} due XXXX and they however applied it as " extra '' interest and principal but still I owed the XXXX payment and dectucted it from my account. 
I spoke with 2 TIAA representatives they both states that the process by which payments are received and applied changed in XX/XX/XXXX and therefore any payment smaller then the minimum would not be applied towards a minimum payment balance. They did not notify customers of this change and I was notified my loans would be in default if I did not pay an additional {$580.00} before XX/XX/XXXX. Even though more then the minimums on the loans were paid they didn't count to meet the minimum payment amount. Even though i paid {$1500.00} for 2 minimum payments of {$440.00} ( total due was {$890.00} ) I was told it didn't count because of their internal change in process and I needed to come up with an additional {$580.00} to avoid default and that i was currently delinquent. 
This company sends me messages both on their internal website and my personal email of all my weekly payments confirming receipt and they have been processes. I have no notification that there was a process change and that I still had a minimum balance due or that my loans were in jeopardy. The Company states that it needed to make process changes to be in compliance with the loan agreements signed by myself. I have no problem with practice changes but feel a notification should have been given to their customers effected. I have been making my payments in this manner for years and have always been on time or early.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 states i have the right to privacy.

15 usc section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written consent 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose
Product: Credit card

best buy closed my account based on a report obtained from XXXX. I called best buy and told them the report and information that they obtained was incorrect and it must not be me. I crossed referenced the consumer report from XXXX and they are clearly wrong. Now they have closed my account so this will negatively affect my credit score.
Product: Debt collection

XX/XX/2018 I paid {$200.00} to XXXX as a settlement payment and they still will not remove the item from my credit report. XXXX XXXX XXXX. Handled the debit for them.
Product: Mortgage

I tried to get a loan modification twice with Wells Fargo. The first time I applied with Wells Fargo they told me that they would not be able to help me because I didn't have enough income. However, Well Fargo told me that I can request a modification loan again. 

The second time I request a modification loan I gave them my sister, her husband and my brother income. Which these three was living in the home with me at the time helping me with the mortgage and bills. Then Wells Fargo told me that they would not be able to give me a modification because I needed to come up with tens of thousand of dollars ( {$90000.00} or more ). If I had tens of thousand of dollars I wouldn't have request a loan modification. 

I was so disappointed with Wells Fargo, I brought up the 1st time I applied for the loan modification that I was told I needed more income. And now that I met that qualification they were coming up with something else. I believe Wells Fargo did not want to help me. 
Needless to say I lost the home and had to vacate. Foreclosure was in XXXX 

Thank you
Product: Mortgage

We are in default of our mortgage.   OCWEN has mishandled most of the correspondence.   I filed a Ch  XXXX  in   XXXX   to stop the foreclosure which was scheduled for   XXXX   XXXX   XXXX  .   OWCEN via   XXXX   XXXX   filed for relief and the judge granted it in  XXXX .   Since then the information that I receive from  OCWEN is conf using & very often conflicts from what they had said in a prior phone call.   Also, I received a letter on   XXXX   XXXX   XXXX   " IMPORTANT INFORMATION ABOUT YOUR CONDITIONAL DEED IN LIEU OF FORECLOSURE APPROVAL ''.   I received a call from  OCWEN on    XXXX   XXXX   - they said that there were liens on the property and asked me to get a pen to write them down.   I said no - that I needed it in writing and that it seemed to me that this would be the legal protocol.   Then they recited my email address - incorrectly - I had updated this 4 times in the past yet they still have the incorrec t one. I now  question what email communications that I   have missed that may have prevented a foreclosure.
When the judge granted relief to OCWEN they asked t  hat my attorney provide authorization & permission to directly speak with me which was faxed to them on the day of their request.   Mos  t timea that I call they claim that they do not have the authorization document & when I insist that they DO I get put on hold for up to 30 minutes while they check for it - and they always come back and apologize for the inconvenience saying that I do have this authorization.
OCWEN called m  e on Monday,   XXXX   XXXX   and left a voice mail.   I called them back today, Wednesday,   XXXX   XXXX   and my " relationship manager '',  XXXX   XXXX   XXXX , said that she could not speak to me - did not have this authorization from my attorney - looked for it while I was on hold - and came back to say there is no such authorization & to call my attorney.   I am completely frustrated because o f OCWEN inab ility to maintain up to date information and generally manage the D.I.L. application status for this mortgage.    OCWEN has h ad me in the dark for months now.
Product: Money transfer, virtual currency, or money service

We registered our coinbase account ( XXXX XXXX with emailid : XXXX ) in XX/XX/2018 and starting crypto trading on coinbase platform. On XX/XX/2018 we received an email from coinbase saying that our account has been rejected and we would need to close our coinbase account. At that time we had XXXX USD in our coinbase account/wallet and I requested coinbase to release my funds and then I will close my account. 

Since then I have raised multiple requests for getting this issue resolved. They have restricted all the trading on my coinbase account. Every time I reach out to there costumer support, they ask me to add my bank account on my coinbase account, but I am not even allowed to add my bank account on the portal to get my money withdrawn. Every week I am back and forth with a costumer representative from coinbase and been assured that this will be looked by a specialist, but nothing has been done yet. 

It has been more than 5 months now and I still have not received my ( XXXX USD ) money from coinbase. 

Hope this will help me getting my moeny back.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reviewed my credit on all 3 credit bureaus. and found a input stating that i supposedly had an account ( furniture ) W/ XXXX XXXX ( XX/XX/2014 ) that i hadnt paid and ended up owing in the amount of {$620.00} and it was reported to be ( charged off ). I contacted all 3 credit bureaus disputing said item. they supposedly did their investigation and said account was verified. i did this twice with all 3 bureaus. I then contacted XXXX XXXX wanting verification of debt. I have enclosed the letter that they sent me. stating that : Due to lack of information, we were unable to research/verify the account in question. and in the same letter they asked for me to furnish them my info. I dont believe that i should help them mock up something against me. So i ask how is this validation of a debt. I also spoke with them over the phone, i asked for the them to remove, this from my credit profile, they said they wouldnt and that i should fight it out with the credit reporting agencies. So i in turn sent the credit bureaus a copy of this letter. and for them to delete incorrect / unvalidated info from my report. 30 days later all 3 of them reported that this account was verified and correct. So to summarize things i feel exhausted in trying to correct this. each one of them creditor/ crdit bureaus dont care, and are kicking the can to each other, and im stuck. im trying to get a mortgage, but some lenders tell me to fix this item before they can proceed. please help!!! i feel that if there isnt evedience, then its probably false, or not my account. i have a very common XXXX name. so they should remove it. thank you for your time
Product: Credit reporting or other personal consumer reports

Im submitting 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 Credit Reporting Agencies are required to remove/block any items 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 ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX CT XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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: Credit card

I purchased a TV with a promotional interest fee period on my Best Buy Citi Visa Card. I allocated all of my payment above the minimum go towards that balance earlier this year when I realized I was going to miss the window to avoid interest. I paid off the balance in XXXX. I checked the website after my payment on XX/XX/XXXX and it showed the balance for that promotion was XXXX, so I updated my allocation to the next promotional Item I had. I XXXX I noticed that promotional period was listed with a balance of XXXX ( give or take )- I was confused, but assumed there was a mix up and so made sure with Citi that as long as I paid it off by XX/XX/XXXX that it would not incur interest. So I changed my allocation back to the promotion and paid another XXXX on XX/XX/XXXX JUST to be safe. The website again said XXXX. I waited an extra few days longer than I did in XXXX to avoid the same issue from then. Several days in a row it indicated the balance was paid off. So I updated my allocation form for XXXX payment. Today I discovered they charged me XXXX in interest for that promotion. When I called they told me it was because I changed my allocation, but they rep said he would get it fixed. NO WHERE does it tell you that changing the allocation AFTER the payment but BEFORE the billing period closes changes the allocation for THAT PAYMENT that just posted. ( which was apparently the issue in XXXX ). Instead of fixing the issue the rep just passed me off to a supervisor with no explanation. She informed me that since the promotion window was closed now she could do nothing about it. So I asked who was above her, because that is unacceptable. The website said it was a XXXX balance. TWICE. She kept me on hold, came back a few times to just say " still holding '' and then finally came back, said NO ONE was available because of the holiday. AT A MAJOR CC Company, but I was welcome to call back Friday to try to talk to a manger or she could give me the MAILING address of their legal department and the Office of the President. Meanwhile, the change remains, which will affect my credit score and purchasing power. The dismissive attitude over this is frustrating. I do not owe that interest, the idea that they can do NOTHING about it is egregious and unacceptable, not to mention totally unbelievable. They can and should fix this but seem to care not. 

FTR, the allocation form specifically has this checkbox on it " Apply Future Payments in Excess of the Minimum Payment Due to selected Promotional Balances '' which I selected both in XXXX AND in XXXX. FUTURE. Meaning the payment I made XX/XX/XXXX should have been applied to the expiring promotion. 

PLEASE, this needs to be fixed. I pay them every month, above and beyond the minimum due and this is the worst customer service experience.
Product: Checking or savings account

Wisely Bank I spell the dispute with wisely bank for transactions that took place on XXXX the XXXX that drained my entire bank account that I did not authorize the same day my car was stolen the first complaint that I have was that the disputes representative sent a replacement card to the wrong address because he asked that I validate my address and I had moved so he wanted me to validate my previous address and then proceeded to send it to the previous address after I repeatedly told him that that is my old address second issue is that he did not advise me to be on the lookout for any kind of documentation that they would need for me to send back to them to move the claim forward I had gotten the paperwork 3 days after I had been delivered but immediately responded back to them via email they have not told me about how the process works except for the fact that the dispute can take anywhere between 40 to 60 days to investigate I've received an email about a transaction that took place that same day that was for a lesser amount I assume to test to see if there were funds available on my card or in my bank account cuz then right after that they proceeded to make several {$50.00} deductions from some printing place New York and then several 20 something dollar deductions from some XXXX XXXX in California these are clearly not my transactions yet they are dragging their feet on returning me my money and then I escalated to a supervisor today and the supervisor who says his name is XXXX says that he can not provide me with his agent ID which for what other reason why he would he have an ID if not to be identified and then when I told him that XXXX our conversation was recorded he then proceeds to hang up on me if this is how wisely conducts themselves as a financial institute the one that actually is that pays me through my employer I might need a secret legal action.
Product: Credit card or prepaid card

I took out a XXXX XXXX card in XX/XX/ 2018 through Synchrony Bank with a {$95.00} registration fee. I was promised a bonus of XXXX reward miles after spending {$2000.00}. I spent considerably more than {$2000.00}. I was never able to receive or access my bonus miles. For 5 months I have tried. XXXX XXXX could not recognize my XXXX XXXX  number ( # XXXX ) that is on my XXXX XXXX card provided by XXXX XXXX. I'm not able to use the reward I earned and Synchrony was not able to repair the situation over several months and many hours of my time trying to access my miles. I spoke several times with a supervisor, XXXX, in the Kansas Synchrony Bank customer service office. She tried unsuccessfully to reach out to XXXX XXXX to resolve the situation as did other supervisors. Nobody could get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates