23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Barclay card " https : //www.barclaycardus.com/servicing/ '' My Balance due date is   XXXX / XXXX /2017, I PAY OFF the BALANCE on  XXXX / XXXX /2017 and wait to clear my account and close on  XXXX / XXXX /2017 without any more charge and use. But Barclay does n't close on that day with   XXXX   Balance and continuous charge me {$7.00} and do n't close until  XXXX / XXXX /2017.     It is unfair to charge customer  with  XXXX  Balance with  an account has no Maintenance fees.
Product: Debt collection

Received a letter stating I owed a debt from Credit Collection Bureau. Starting receiving phone calls regarding the same debit from United Legal Group as well. I responded to the debit collection letter from Credit Collection Bureau requesting verification, and cease and desist communication via phone. Both companies did not respond back, the information was then placed on my credit report, and United Legal Group has begun calling. Received call on XXXX/XXXX/16, told them I requested verification and a cease and desist, and the rep " XXXX '' stated I needed to fax it in as well, I requested on the phone again about verification and cease and desist calling me, and she refused stating nothing will change till I fax over the information stating " We received your letter, however you need to fax it as well ''.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan at Lendmark XX/XX/XXXX for {$1500.00}. I was approved and told to come up to the office to finish up the loan. When I got up there, I was told I could get up to {$3500.00} and I said no because I wanted to hurry up and pay off the loan. It took me two years to work on my credit and I did not want to mess it up. plus I'm a full time student on top of working. They told me I could get insurance if I lost my job and they told me about other options. Since I was working on my credit I went ahead and took the {$3500.00} since that would help me on my credit showing I can pay back loans. XXXX of XXXX I explained to them that I was no longer working and asked about the " insurance ''. I went through unemployment as well. They told me I couldn't use my insurance. I told them If I cant use my insurance then take it off! They so called canceled the insurance but did not remove the additional {$1000.00} or so they put on my account! I called multiple times to get it removed and kept getting the run around. I even asked for refinancing options and they did not want to work with me. I filed a dispute with the credit bureaus the amount on the loan was wrong. I told them if they can't work anything out with me stop calling since they didn't not remove the amount for the insurance! I found out in XXXX a week before a court date that I was being sued. I called the court to advised them that I was served improperly ( I have not lived at that address since XX/XX/XXXX ) and that I needed more time to handle it. I also sent a letter to the court as well. The court clerk gave me the information to the Law office that handled the case. I knew nothing about this Law office or received anything from this law office regarding the Lendmark account. I explained that to the lawyer and advised him that I did not live at the address and that I was in the process of filing bankruptcy. No demand letter was sent to me or anything through mail or even email. The last email sent to me was in XXXX of XXXX saying I can get another loan. Why would I get another loan when yall cant help with the one I have. Lendmark was very aware I did not live at that address! I called the credit bureau in XXXX and they told me that Lendmark reduced the amount due by a little over {$1200.00} which was the insurance amount I disputed. Lendmark only took it off because they sent it to court and they know having that amount would be a false claim! But they did not remove it when I they removed the insurance basically trying to get more money from me and not wanting to refinance the loan ( trying to make me pay for services I no longer had ). Lendmark is a predatorial company that needs to be investigated and looked into. I worked hard on my credit for XXXX years just to now have to file bankruptcy.
Product: Credit card or prepaid card

DISCOVER SEND ME MY MONTHLY STATEMENT WHICH I NOTICE THAT INTERSET IS JUST AS HIGH AS MY $ XXXX MONTHLY PAYMENT ( {$130.00} INTEREST RATE ) FOR LAST TWO MONTHS THAT I NOTICE LOOKING AT THIS MONTH & LAST MONTH STATEMENT MONTHS BEFORE THAT I WAS JUST PAYING LIKE {$24.00} FOR INTEREST RATE REACH OUT TO ASK THEM WHY JUMP IN INTEREST RATE ONE PERSON TELL ME BECAUSE IM AT MY LIMIT ON CARD WHICH STILL DO NOT SOUND RIGHT AT ALL I TOLD PERSON THIS WAS YESTERDAY CONVERSATION GOT DISCONNECTED SO I REACH OUT TODAY WITH SAME QUESTION AND LETTING PERSON KNOW I HAVE OTHER CARDS WITH SAME RATE XXXX & INTERSET MONTH IS ONLY {$24.00} LIKE IT BEEN WITH DISCOVER UNTIL LAST TWO BILL STATEMENT LETTING THEM KNOW THAT IT IS PREDATOR LENDING AND IT AGAINST LAW THAT I WILL BE REPORT IT ONLY THING XXXX DID WAS SEND OUT RATE WHICH I KNOW IS XXXX LIKE MY OTHERS CREDIT CARDS AND INTEREST DID NOT JUMP UP TO AMOUNT OF MONTHLY PAYMENT
Product: Credit card or prepaid card

I have been charged interest 3 months in a row for the purchases I did not make. They keep charging me interest for {$13.00} as a standard purchase interest for a month where i did {$2200.00} payments and {$0.00} purchases. I called them to sort it out and they say I have to make the payments but my balance has 0 % APR until XX/XX/2020. If I need to pay off my statement balance why is the promotional offer give in the first place with a end data? 
I think this is scam
Product: Mortgage

In XXXX, XXXX, I made a mortgage loan with Rocket Mortgage, for {$100000.00}. In XXXX, I refinanced with XXXX XXXX XXXX which I understood would require paying off the Rocket Mortgage balance. All payments were on the Rocket Mortgage account were made timely, through auto-pay. Rocket Mortgage took the XXXX, XXXX, payment in XX/XX/XXXX. On XX/XX/XXXX, they took a XXXX payment that was not due until XX/XX/XXXX. My XXXX, XXXX, statement from Rocket Mortgage shows a principal loan balance of {$99.00}, XXXX. They advised XXXX XXXX that the pay-off balance was {$100000.00}, which was more than I had borrowed, and after a year of payments ( principal and interest ). This does not seem to be factually or legally correct, and constitutes a fraud on the consumer ( me ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX credit card in my name fraudulently. XXXX is still reporting this account. This is in direct violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account listed below, the date where it shows that I am late in making my payments was an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to both Bureaus and the furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, Im filing a complaint against credit karma due to lack of information and mishandling client money. I have been locked out of my bank account for 3 days now with not 1 straight answer as to why. I have called everyday several times and all associates are following a company script saying just wait to be contacted. As an online bank how are you not reaching out after 3 days of blocking someones access to their funds. Furthermore, as a company if you dont even know the reason for the freeze how is the account not being unlocked. No request for info, identity, security questionsnothing. I stated several times that I have a XXXX XXXX old child and need access to my money, not one associate has helped.
Product: Credit reporting or other personal consumer reports

ACCOUNT BALANCE WAS PAID IN FULL. STILL REPORTING ON CREDIT REPORT AS OUTSTANDING BALANCE OF {$99.00} OWED
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer XXXX ( Experian ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at ( XXXX XXXX XXXX ) on XX/XX/year> under the XXXX account number. These accounts have resulted in several fraudulent late payments appearing on my consumer XXXX Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a HELOC loan with another company for debt consolidation. They issued checks to the debtors I owed money to based on the amount shown on my credit report. The check they sent me to pay off my Avant loan was in the amount of {$3900.00}. I then contacted Avant and requested a payoff amount, which was {$3700.00}. According to the payoff agreement, my payment had to be received within XXXX business days of XX/XX/23. The check was mailed to the address on the payoff agreement on XX/XX/23. I checked my portal on XX/XX/23 and the payment was not reflected on my account, so I called customer support to inquire about it ( all other debtors I paid - XXXX in total had already received and processed my check payments ). The service XXXX confirmed that the check was received on XX/XX/23 and there was nothing further that I needed to do. My portal should update within a couple of days. On XX/XX/23, my account still had not updated and I was receiving notifications that my monthly payment would be due on XX/XX/23. I called Avant customer support again on XX/XX/23. They said they apologized for providing me with incorrect information, but they saw no payment in the system and so I would need to make my monthly payment. They also stated that they would escalate the issue of the missing check. I asked to speak with a supervisor since I was told that my check had already been received on XX/XX/23. After a long hold, I was told that there was no supervisor currently available, but that I would received a call from XXXX. I never received a call, only an email stating that they received my payment and had dated it as being made on XX/XX/23 ( even though I called and the email was sent XX/XX/23 ). I never received further communication, so on XX/XX/23 I called requesting the difference in the overpayment be refunded to me. The amount I calculated based on the payoff agreement and the fact that I was told my check was received XX/XX/23 was {$150.00}, however since they did not put through my payment until XX/XX/23, they said the amount being returned was {$110.00} and some change and said I would receive it in XXXX weeks. The poor communication and unorganized ordeal leads me to believe that they intentionally waited to process my payment since it was an overpayment so that they could charge more interest on the loan ( especially since I was paying off the loan very early ). I again asked to speak with a supervisor during the XX/XX/23 phone call and after a lengthy hold, I was hung up on. After calling back 3 times before they took my call again, they told me someone would contact me via email and to watch for my {$110.00} refund in XXXX weeks.
Product: Debt collection

On XX/XX/XXXX, I went to XXXX XXXX XXXX Emergency Room in XXXX MD. I was treated there and I had health insurance. I was covered under XXXX for You. 
On XX/XX/XXXX I received a bill for {$810.00} from Transworld Systems stating that they now owned the debt I had with XXXX XXXX XXXX. 

I reached out to the hospital, the debt collector, and my insurance company and it appears nobody will help me out. 

The hospital is now saying they have nothing to do with it, the debt collector is saying that they can not submit anything to the insurance company, and the insurance company is saying they wouldn't approve it even if it was submitted ( because it's over a year old ). 

This is not a debt I should owe. I was covered for this service on this date. It was and is the fault of the hospital for not sending this to the insurance company. They are claiming that they sent me letters asking for insurance, but the address they claim to have used is not my address - and hasn't been for over 3 years. 

So, basically, the debt collector wants me to send them {$810.00} for something I should have never owed a XXXX for - and because they sent me this correspondence over a year past the date of service, my hands are completely tied. This is negatively affecting my credit score, which is what I am trying to clear up.
Product: Debt collection

I received mail from a company called XXXX XXXX XXXX, XXXX specifically the " XXXX XXXX & Servicing Department '' in regards to a collection I owed to XXXX XXXX. They said it was a Notice of Bank Levy, for owing XXXX XXXX {$790.00}. It said the default in question was originally recorded XX/XX/2015 and was in statue for involuntary recovery. The notice looked fake, and had the appearance of a court order, with the whole them vs me complaint, but was not signed, or stamped or anything. They did have my correct DOB, SSN, and former account number on it. So I called XXXX XXXX to see what I owed, if any, and they told me to call their debt collector, XXXX ( XXXX XXXX XXXX ). So I called them and they said I had that account resolved a long time ago, and they will send me a copy of the receipt as proof ( I do not have at time of this complaint ), and to ignore this false document I received. There were a lot of threats in said letter, such as bank levy for my accounts, affecting credit, and garnishing sources of income to include wages and accounts. I know this is not the case so I wanted to submit a complaint about it. The number on their mail they had listed is as follows : ( XXXX ) XXXX as phone, and ( XXXX ) XXXX as a fax.
Product: Debt collection

XX/XX/2017 tried to dispute this LVNV Funding as I have no idea what it is and it is old. Please help me to get this off of my credit report. Ive tried to dispute this and it still hasnt gone away.
Product: Debt collection

This company calls repeatedly and I never get to know why they are calling they ya g up on my all the time and Ive called them as well they just keep talking in circles or hang up on me again. 

I can never get the chance to tell them to stop calling me or family members phones they just call and hung up constantly. The XXXX says they are legit but I do not believe so at all.
Product: Credit reporting or other personal consumer reports

A week ago I reached out to Equifax after speaking with a representative from XXXX XXXX. There is an open credit card under XXXX XXXX  on my account. This was opened XX/XX/XXXX. I was born in XXXX. Also the state this account was opened also said I had an addresses there, I have never lived there or opened a XXXX XXXX XXXX XXXX  for XXXX XXXX There is a balance of XXXX. I reached out to Equifax and I filed a dispute explaining I am not sure where this account came from. This morning they determined this was my account. I reached out to consumer attorneys after I received the results. I tried to call the XXXX XXXX  number and the calls says this number is no longer in service. I did not open this account it also says the last payment was in XXXX which I never paid to this account. I am not sure where it came from and would just like it to be removed and make sure my credit is not negatively affected. 

Thank you.
Product: Student loan

XXXX ( previous loan servicer ) has reported several late payments to my credit report on XXXX. I have requested that Aidvantage ( current servicer ) investigate the late payments and verify the accuracy of these accounts, but they have not completed a fair and complete investigation. The reason that I know this is because both XXXX and XXXX show that I have exceptional payment history ( please see attached XXXX report. XXXX file too large to attach ). I have requested that Aidvantage mail me a copy of my statements from the origination of the loan, until the most recent statement. I have not received these statements, and it has been over a month since the request was made.
Product: Money transfer, virtual currency, or money service

Ive been a victim of a rental scam and I have lost a total of XXXX $ i used my Chime account to pay this person. Chime cant help me get my money back.
Product: Bank account or service

i have unauthorized charges to my account. i contact capital one bank with issue i then got a processor contacting me ext XXXX XXXX antiqua from capital one. she indicated she could n't help me in my claim because of the type of dispute but yet contact contact to go over the account and want to go over the transaction. the company. now the company block my account and any way of defending myself. she was rude and nasty and destroyed my case with her incompetency
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer - XXXX XXXX Employer - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ XXXX XXXX XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am extremely frustrated with Tranunion 's handling of my disputes. I have been disputing these accounts for 283 days. Despite multiple attempts to resolve these issues, I have not received any investigation results or updates on the following accounts, and they have not been corrected : XXXX XXXX ( Account # XXXX ) This account is unverified. The payment history is incorrect, and no proof has been provided that I was ever late. Please update to NEVER LATE. 

XXXX ( Account # XXXX ) - This account is unverified along with several ways in the way it is reporting. This is not an open account and date of last activity is wrong. Please DELETE this account. 

XXXX XXXX ( Account # XXXX ) This debt has not been verified within the legal timeframe nor can this be an open account. Please DELETE this account. 

XXXX XXXX ( Account # XXXX ) - This debt has not been verified within the legal timeframe nor can this be an open account. Please DELETE this account. 

XXXX XXXX XXXX This is not my address. Please delete it from my report. 

XXXX XXXX This is not my legal name. Please delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Used XXXX XXXX site that showed me a page with loans that I could be eligible for and said it was n't an application but to put how much I needed and I hit enter and sent told me I 'll be getting info to see what they say. Now I have a copy of my credit report and XXXX XXXX ran my credit to all those loan places that was on that page and I now have 12 inquiries!
Product: Checking or savings account

Hello, My name is XXXX XXXX. I opened a Brokerage and Individual account with Charles Schwab XX/XX/XXXX of 2022. Charles Schwab verified my identity. Open the account with confirmation from Charles Scwhab XX/XX/XXXX of 2022 that upon funding my account and verifying any ACH transfer to the account ; a card would be shipped out for use in order to maximize use of my individual checking. Now by XX/XX/XXXX of 2022 I added my husbands XXXX  for a One time transfer of {$5.00}. The transfer was a one time daily transfer. According to their guidelines, once trial deposits are sent to the account chosen to link, you tell them what are the deposits and its total and the account is verified. Well I did exactly that and my account was Successfully Verified. 24 hours later I call because I initiate a transfer for the {$5.00} originally, yet money still has not shown up in my Charles Schwab Checkings account. They tell me it is due to be in the account XX/XX/XXXX of 2022. I log in my account XXXX XXXX, 2022 and my account is suspended. I call them and they inform it is due to suspicious activity or fraud and a representative name XXXX. AFTER PUTTING ME THROUGH VERIFICATION AND I PASSED, feeds me some malarkey about rather getting people like you and a few fraudsters rather than letting them get away with it. I thought to myself are you kidding me? I thought the purpose of a financial institution was to secure its customers once verified. Not subject your loyal or new clients to such a time consuming discrepancy on your part. I mean how can a bank just propose all of these steps to verify someone and still lock you out of your account with NO REASON at all I may add.They also took my {$5.00}. Something needs to be done ASAP. Charles Schwab even had the audacity to inform me even GOING IN TO THE BANK WITH MY GOVERNMENT ID WOULD NOT ALLOW ME TO RETRIEVE MY ACCOUNT THAT SAME DAY I AM IN THE BRANCH? MEANING they get to steal customers money with no regard to what troubles and finances people may have. I need my situation expedited in timely fashion. I want the account or return my money and close my account because I refuse to put in so much work into a bank. I never been through anything this traumatic in my life.