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

I took out several loans with Eagle Loans and they never went over any of the extra fees with me until XX/XX/XXXX. When I asked if I could decline all of the other fees/insurance coverage I was told no. 
The only terms of the loan agreement that they clearly went over was the monthly payments and how they were to be paid. I feel like the rest of it was rushed. The original loan I took out in XX/XX/XXXX, I never received a copy of that contract. Every 6 months they call you and make it sound like a good deal for you to re-finance and take out more cash. 
I was only explained that I was charged for the insurance item on line 2 of the loan agreement which is {$22.00} for XXXX XXXX XXXX. 
The add on items that I was charged for is line 3 {$28.00} XXXX XXXX XXXX, line 5 {$120.00} Premium to XXXX XXXX, {$12.00} paid to XXXX XXXX for XXXX XXXX, {$100.00} paid to XXXX XXXX XXXX for Membership Fee, and last but not least the {$200.00} loan origination fee. I was never told that any of these fees would be charged, not even the origination fee.
Product: Payday loan

I have took out a small {$300.00} loan with ACE Cash Express, and since then made four payments of {$43.00} ; {$170.00} totaling to date the account is still has a balance of {$270.00}. I have contacted ACE and they are or no help, very unprofessional people work there who can not explain why my balance only went down {$25.00} for all those payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I mailed in and disputed online XX/XX/XXXX. XXXX  with Experian and XXXX to reinvestigate the following account : Account name : XXXX XXXX XXXX Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This debt collector is trying to collect a debt and when asked if we wanted to pay in full we said not at this time and we will when we get extra money. They tried to do automatic payments and we said no you guys called at the wrong time but we will pay it. They proceeded to threaten to find us at work and how they would ruin our credit.. this is no way to talk to anyone! 
XX/XX/XXXX I received 2 calls in a matter of 15 minutes.. my significant other received 4 times with having to hang up on them and now we might pursue speaking with a lawyer about the harrassment
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX 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: Mortgage

On XX/XX/XXXX we contacted PHH mortgage due to taxes not being in full and the funds needing to be sent overnight. Our checking account with XXXX bank had been garnished and negative {$1200.00}. The full amount deducted was {$1300.00}. We contacted XXXX XXXX XXXX department to find out what was going on and then contacted the mortgage company requesting for the funds in the amount of {$1200.00} be overnighted to XXXXXXXX XXXX XXXX department. The first representative we spoke to tried to say that they had no one we could speak to so that it could be expedited. We insisted on speaking to someone to further assist. We were transferred to the escalation line and spoke to XXXX, explaining that the full amount of the taxes were not paid and additional funds were due for the taxes that were now showing delinquent. We emailed the tax bill that XXXX XXXX XXXX department provided to us dated XX/XX/XXXX. We were told by XXXX it should take one to two business days. 
The next morning we checked the accounts and the other checking account with XXXX had been garnished and was showing negative {$1200.00} on XX/XX/XXXX as the funds in the amount of {$1200.00} for XXXX XXXX XXXX department was being deducted. We called PHH again and told them that our other account has now been hit. We expressed again how important it was to have the funds expedited. XXXX XXXX said they sent PHH the full tax bill of {$2300.00} in XX/XX/XXXX. I did have the homestead excemption that unfortunately was removed as XXXX XXXX stated they did not receive my form to keep it. They said they sent 2 more tax bills that we did not receive that showed the remaining amount of {$1200.00} as PHH did pay {$1100.00} per the first bill they received in XX/XX/XXXX. We have explained this to PHH multiple times. They keep saying the taxes need to be verified. Two tax bills have been emailed to them. My daughter works for XXXX. This needs to be rectified as the taxes are escrowed and we have been negatively impacted by this. We called again on XX/XX/XXXX and were told they are waiting to hear from XXXX as they already paid the taxes and the taxes are showing as being delinquent. We know this, we sent them that info. The taxes need to be paid immediately as we have expressed. Please help. We have XXXX negative checking accounts and items that would have been paid have been returned. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2021 : My husband tried to make an airline purchase online for a little over {$900.00} today. He received a text with a validation code ( twice ) which did not work. We received an email with a case # stating " As a security measure, we routinely monitor account activity to prevent fraudulent use of our customers accounts. 
During a recent review, we identified activity on your account that may be related to fraudulent usage and need you to verify this activity as soon as possible. '' I immediately called the phone number on the email ( XXXX ). I was put on hold and told it would take approximately 45 minutes for the fraud department to unlock our cards. Meanwhile I called the number on our card for customer service XXXX. I asked to speak to a supervisor, after begging for some time I spoke to " XXXX id # XXXX  '' who said they are busy and the hold time is 2 hours and she could do NOTHING. I have now been on hold for over 2 hours. This is the only credit card I own. My husband used a different credit card that he has ( I am not linked to ) because the price of the airline ticket actually increased {$13.00} in that amount of time. We do not get points on the card he was forced to use to ensure the airline ticket was secured. I can not believe they are treating customers this way. We did not choose for them to lock our cards. We do not have any stipulations set on our credit card asking them to do this.
Product: Credit card

I filed a disputed with my credit card company who did n't take same size against the consumer company and let them take {$41000.00} from my account. every time, I contact my bank and the company. I did n't get any result. The company make me an offer to give me back only 10 % on the amount they took from me.
Product: Student loan

Usa funds has taken my tax return and i am on a rehabilitation program with them since XXXX of this yr. I needed that money to buy a car and pay my landlord rent an deposit where i just oved in. I hope this is the correct area to send this i really need some urgent response thanks
Product: Checking or savings account

I deposited a check from the IRS for $ XXXX into my CHASE checking account. Chase held my check restricted my account then closed my account without telling me. Its been 3 weeks now and they still have not verified the check. I asked what they did to verify and they said they sent an email to the treasury department but IRS does not do email verification. They just keep giving me the runaround.
Product: Mortgage

Applying for a mortgage, and wells fargo is reporting a 30 day late payment on my HELOC, this IS NOT accurate, i made the payment on XX/XX/2021.
Product: Credit card

I am an XXXX XXXX service member in Louisiana. 

The federal SCRA laws limits interest rates to 6 % all accounts opened before entering XXXX XXXX ( EAD ).

Louisiana law extends those benefits to all accounts, even account opened after EAD date. According to Louisiana law, Title 29 section 312 linked below, I should not be charged interest rates exceeding 6 % on any accounts. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Names : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX -or as- XXXX XXXX XXXX XXXX : Southwest -Chase Amount : {$10000.00} There was an initial dispute which was refunded but we asked to have that removed due to the fact that the merchant told us they would issue the refund to us directly. ck. 

The money should be refunded because we initially requested to get a credit from the vendor ( XXXX XXXX XXXX ), which we did not receive a timely response which then resulted in us contacting Southwest Chase Card Services to do the initial dispute of the charges. At that time SW Chase Card Services refunded the money and everything was handled. 

Then we received an email on XX/XX/XXXX that the Merchant wanted to have a phone call to discussMonday XX/XX/XXXX we received a call from XXXX XXXX XXXX saying that they would like for us to remove the dispute from the SW Chase CC due to it negatively impacting them as a merchant and that they would execute the refund for us. So we decided to cancel the dispute and let the merchant credit us directly. Once we did that SW CC charge us for the initial charges. WE STILL HAVE NOT RECEIVED the refund directly with the merchant. We have tried tirelessly to get this done and we are being told they do NOT have the funds and that our Bank/CC has the funds so now they are saying they are not going to refund us our money.

When I talk with Chase/SW CC they tell me that the merchant has been paid their funds.

So in the end right now we are out {$10000.00} with NOTHING to show for it as we also dont have a membership The purpose of us making the decision to rescind our membership in the first place was after further review and considerations of the program ( right after our purchase ) we discovered that it wasnt as good of a program they made it sound during the sales presentation. So we contacted them to request cancelation. 

Some dates/timeline below. 

XX/XX/2021 XXXX and I attended the sales presentation for XXXX XXXX XXXX XXXX XXXX. Which we executed to pay for the membership @ {$10000.00}. 

XX/XX/2021 XXXX Emailed the merchant requesting cancelation/refund. No timely response received. 

XX/XX/2021 XXXX contact SW to issue a dispute, which we were credited the {$10000.00}. 

XX/XX/2021 We received email response from Merchant wanting to discuss via phone before cancelation. 

XX/XX/2021 XXXX emailed stating we havent received a phone call XX/XX/2021 Merchant called us requesting to lift the CC dispute as it will negatively impact their reputation/business etc. 

XX/XX/2021 We notified Merchant via email that we have lifted the dispute with the CC and would like to get our refund processed from them ASAP. XX/XX/2021 SW CC re-billed us for the charges to the merchant. 

From there, I have multiple email communications with the merchant attempting to get our funds back to us directly from them. Specifically close attention to the fact that the merchant is saying they do NOT have our funds. These are attached
Product: Debt collection

New Issue There are fraudulent charges remaining on the Nordstrom is high have not been removed. The account needs to be deleted or suppressed from my credit profile immediately due to fraud.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, afte
r any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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: Mortgage

Recived a notice that our monthly payment will be going up with not explanation. When we called they informed me that my Home insurance and Taxes went up dated back to XXXX, 5 months later is when that increase my payment and asking for me to pay the overage sinceXX/XX/XXXX.
Product: Prepaid card

Without receiving any notification that my account had gone inactive I was charged a {$2.00} a month inactive fee. I went to use my card this month and apparently the {$23.00} I had on it had been drained out slowly by this fee. After calling the company they refused to refund my money.
Product: Credit reporting or other personal consumer reports

I haven't applied for any educational training. I think someone is using my name.
Product: Debt collection

MIDLAND Credit Management Inc. has been sending me collection notices in the amount of {$530.00} and has been reporting this negative information on my credit report which is both misleading and damaging to my reputation as a natural person and consumer. I have never done business with this company nor does this company have any evidence of a contract with my signature. This company is passing my private information to other members possibly resulting in identity theft.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from : XXXX XXXX XXXX Opened on XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX Opened on XXXX XXXX, XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX  XXXX Opened on XX/XX/XXXX Unauthorize Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I submitted a CFPB claim no. XXXX to Experian to initiate an investigation on how several items that were reported and some that they are still reporting as a result of an Identity Theft claim was affecting my credit score and requested them to recalculate my credit score accordingly. 

The company on XXXX XXXX, XXXX responded that they could not continue processing my CFPB claim because the address I submitted in my claim was incorrect and this is false. 

The address on this claim is fully correct and was corroborated by them. I sent them proof of address back in XXXX XXXX, XXXX and they have been sending me all the correspondence to the address added in the claim. 

I have attached the last correspondence received from Experian showing the same address added to the claim above.
Product: Mortgage

Good day, I purchased a house in XXXX. The originator of the loan was XXXX XXXX XXXX XXXX. This company went out of business and I started to receive correspondences from XXXX XXXX XXXX. I paid my mortgage and was having some issues with them receiving payments because I was paying cash at the bank and some monies was not being applied to my mortgage. Around XX/XX/XXXX I paid my mortgage and it was refused. I went to the bank to to find out what the issue was and they could not answer my questions. They suggested I called the corporate number. I called and to no avail was left on the phone for long periods of time. This went on for months and when I did speak to a account manager I was told that they were not sure what happened and not sure why the payment was not accepted. I explained that they are refusing my payment. months later I started to receive correspondences from another bank Carrington mtg. They stated that they are now the holders of the mortgage. I spoke to an account manager who stated that XXXX sold them the loan and that I will now have to pay them. I told them I didn't know who they were and why they were calling and writing to me. I started to receive threatening letters for foreclosure and demands for payments. I requested assistance from a neighborhood agency to help with modification and clarification. I received assistance from XXXX and in XXXX a check for over $ XXXX was sent to Carrington. Before the check was sent I had a conversation with a rep who stated I had $ XXXX remaining on my mortgage and with a $ XXXX payment and adjustments I will have a balance of $ XXXX. They received the funds and did not apply it accordingly. They sent a letter stating I still owe $ XXXX. i asked how the funds were applied and if I could speak to a manager to get some adjustment. I was told that the Manager was not available. I receive correspondence saying the manager can not reduce the payments or change the way the funds were applied. I am writing because I have no where else to turn. I spent my who childhood and youth working so that I can have a piece of the American dream and now it's being ripped from me. I need assistance as soon as possible to stop this foreclosure and thievery.
Product: Mortgage

The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 
COMPANY 'S INTERIM RESPONSE When we were notified of this case, we called you at XXXX on XX/XX/XXXX, and XX/XX/XXXX, to discuss the situation. We left a voice message with our name and contact information for a return call. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. 
XXXX This is unacceptable AND MORE LIES FROM CHASE This Issue first occurred in XX/XX/XXXX 2018
Product: Vehicle loan or lease

XXXX XXXX  XXXX advertises big sales. The amount online does NOT reflect price of the actual car. Its a scam. 

XXXX XXXX XXXX XXXX  was purchased from XXXX XXXX  XXXX in XXXX. 

Advertised sales price is XXXX  XXXX. 

I traded XXXX XXXX mustang convertible. 

Final amount financed XXXX XXXX has yet to contact me about this dealership!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.