23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

Advance America Cash Advance ; XXXX XXXX XXXX XXXX TX XXXX, ( XXXX ) XXXX or FAX ( XXXX ) XXXX, Rep : XX/XX/XXXX - Cash Advance was $ XXXXOption to pay {$250.00} in full or {$100.00} per month and up XX/XX/XXXX with balance owing {$360.00}. The complaint that stands out with issues : XX/XX/XXXX - paid {$100.00} on the loan but it only went toward the principle of {$1.00} interest but no decrease in the principle balance with a new total amount owing {$250.00} on the account. Only " Installment Payments, '' as interest or added on per month. This procedure have been changed within several months XX/XX/XXXX. What disturbs this situation of payment, is being feeling duped and owing more then the amount loaned by paying {$100.00} per month and the balance never changes for consumers. Is this procedure illegal in adding interest on each payment and not the balance?
Product: Credit reporting or other personal consumer reports

There is an error on my consumer reports. The consumer reporting agencies ; XXXX, XXXX and Transunion, are reporting unverifiable collection accounts on my consumer reports. I was never made aware of such collections however they are appearing on my report. Additionally, in violation of both the Fair Debt Collection Practices Act and Fair Credit Reporting Act, these accounts must be removed as it must first be verified in order for it to be furnished to my consumer report.
Product: Credit reporting or other personal consumer reports

I have never authorized or initiated any transactions related to this account, and I believe my personal information was compromised. I kindly ask that you conduct a full investigation into this matter, and if you determine the account was indeed opened fraudulently. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''. 

Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/2022 Balance : {$9800.00}
Product: Checking or savings account

There was a fraudulent ATM withdrawal on our account on Saturday, XXXX at XXXX for {$200.00}. We filed a police report with XXXX County Policy and report the incident immediately to Simple. They closed my husband 's card and sent him a new one and assured us it would be investigated ASAP. Simple sent me the guidelines for Fraud which showed that we should not be liable for the full amount. I asked Simple immediately if there was anything we could do to help and they said no. Simple never followed up with us UNLESS I reached out to them asking them what is going on. I 've called and emailed them multiple times and all they have said is that the investigation was ongoing. Then, finally they rejected our claim after several weeks. I sent them proof of the police report filing because bottom line, this was not us. My husband 's card was skimmed at a Gas station two hours before which Simple can see that transaction. We reported this with Police. I 've asked that the file be opened up again, but again, no status updates from Simple unless I reach out. I 've asked multiple times for the investigation department from their dispute department and all it states is that since the transaction occurred within our city, it was not fraudulent. This is not true and not acceptable. It has not been a month now and we still have not been refunded any of our {$200.00}. We are working with police to try to get survellience footage, but I should not have to go through all this! Other companies, such as XXXX and XXXX refund fraudulent activity ASAP. This is just plain wrong. You can look at all of our transaction history, we do not use it to pull cash out, we got this account as a budgeting tool for groceries and gas. We need a resolution immediately.
Product: Credit card or prepaid card

On XX/XX/21in preparation to pay payment due for XX/XX/XXXX, I noticed my minimum balance was higher than normal. I send a secure message as I normally due asking for a breakdown or reason for the higher charge. I was directed to call customer service to discuss my account. Today,XX/XX/21- I contacted customer service XXXX to ask for a minimum balance breakdown. Stated my concern because I normally owe minimally {$32.00}. I spoke with a customer service representative who viewed my account and stated the amount was higher due to a Late fee assessed on the account of {$39.00}. I explained that I made a payment of {$75.00} that covered the late fee charged. She saw on my account the payment and went on to say that I still owe the {$66.00} minimum balance fee. I asked why because its not making sense to me. She said its that much because they have added interest that raises the minimum payment. I still did not understand because normally I've seen the interest payment assessed and still my minimum balance due was around {$32.00}. When I challenge her response she hung the phone up on me. This is unacceptable practices from the same credit card company. I was first told it was the late fee charge and then was told it was due to something else. So I'm not charged interest twice. Once that is added before my new statement is due {$18.00} and then another {$23.00}, for what? This is what's been explained to me. I understand interest being put on the unpaid balance. Doesn't the interest increase the balance? I feel like I'm being bullied into paying way more. What are the rules for when the account is closed? The will be not additional charges made to this account. Because the account is closed Citbank has the right to double charge me in interest and attach it to my minimum balance rather than the total of the outstanding balance? I'm confused and when I keep asking just so it makes sense to me and I can ensure I pay if nothing else the minimal ( only due to times are hard due to Covid-19 ) I get hung up on. Can not get a straight answer to what my minimum balance should be, I don't get a straight answer. I understand Citibank wants to be paid their money. I also ensure I pay, but I believe this treatment is not company policy and/or procedure. So, no matter how much the bill is my minimum will increase each month because of two interest fees? Something is not right and I need better explanation to what is happening with this account whether closed an/or opened.
Product: Student loan

-The original plan that was agreed upon when I started XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, was that I would make XXXX payments while being employed in what qualified as a public service position. 

XXXX XX/XX/XXXX, I had made a total of XXXX payments, and had XXXX payments remaining. ( Please see XXXX ) - On XX/XX/XXXX I received an email from MOHELA ( my student loan servicer ) that my repayment schedule had changed. 

XXXX logged into their new online platform and reviewed my new repayment schedule and found that it had changed drastically from what had been initially agreed upon. 

- I find that there are now XXXX payments of {$250.00} and in addition ( * ) XXXX new payments of {$1800.00}. ( Please see XXXX ). 

XXXX XX/XX/XXXX, I had XXXX payments of {$270.00} remaining until my XXXX XXXX XXXX forgiveness went into effect. ( Please see PLSF.pdf and XXXX ). 

-There is a major discrepancy in the number of payments that I was required to pay in XXXX, and that I am now required to pay under the new rescheduling plan. 

-My working situation has not changed. For the entirety of this time, I have been employed by an non-profit education institution and continue to be employed there. 

XXXX called MOHELA on XXXX, XXXX XXXX and asked the representative to provide me with information about how many payments I needed to make before I received loan forgiveness, and she was not able to answer. I asked the representative to provide me with documentation regarding my PSLF, and they told me that they would not be able to provide this information. 

-Fortunately, I had saved some of the documentation on my XXXX XXXX in the past.
Product: Payday loan

lender charged my bank 2 days before agreement. Then charged XXXX times in one day, racking up insufficient funds fees
Product: Credit reporting, credit repair services, 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, AL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} 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 XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX 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: Debt collection

Dear Sir/Madam : Please be formally informed that neither the US Department of Education not the American Student Assistance has sent me any information about being in default or late on payments. I have never obtained a letter from the latter stating that they currently represent the debt nor a phone call discussing the matter. I have never been given due process to dispute the debt or discuss any solutions with the organization.

I ONLY obtained notice from my part time employer that the funds were being withheld as of the next pay period.

Furthermore, the amount attempting to be collected at 15 % is egregious and will result in major hardship to me. I need to have this matter resolved immediately and I thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, my vehicle loan is showing as delinquent despite the fact that my account is current. The company claims they were unable to withdraw funds from my bank account which led to the late payment in XX/XX/2017 yet my banking information has been on file with XXXX XXXX XXXX since XX/XX/2017 and no changes have been made to my account that would lead to the payment not going through. The bank has informed me that the payment should have gone through and that an error could have been made on XXXX 's side that prevented the payment from going through. I have attempted to resolve this issue with XXXX several times to no avail. As a result of this error, my account is showing as delinquent although all payments have been made and information regarding payments has still not been reported. This appears to be a common issue with XXXX and I am hoping for a resolution.
Product: Credit reporting or other personal consumer reports

TransUnion Still continues to report inaccurate information without showing proof how these accounts were verified as accurate. I've sent them a certified UCC-11 showing there is no debt 's or liens under my name but they still continues to be noncompliant. I will be requesting GAAP ( Generally accepted accounting principles ) On these accounts. TransUnion fails to correct these account cause as it states on their 424b3 SEC filing form. They are illegally selling my information as it states on page 8 of their 424B3 SEC report. ( file has been attached and section is highlighted ) These accounts below are being inaccurately reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion is in violation of reporting inaccurate information and reporting transaction history between the consumer and company. Both Violation goes against the FCRA. 
Both XXXX XXXX accounts are charge off. Under the IRS Charge off are Income weather the debt has been discharged OR forgiven. Income does not get reported on a consumer report. I attached a copy of my consumer report highlighting the specific accounts. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( TransUnion has been put on notice of the inaccurate information and must immediately stop reporting that information until they can provide proof that it is valid. ) 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Reporting Transaction history is illegal ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( ANYONE fails to comply is liable of no greater than {$1000.00} per violation. )
Product: Debt collection

XXXX has some companies like XXXX on contract to serve their beneficiaries with their medical supplies. Based on my inquiries, I was assured by XXXX that I would not be charged out of pocket for the supplies or their services. Every time a shipment was mailed out to me I received a called most of the time from a gentleman name XXXX. Every time I say to him if I have to pay a copay do not send the supplies. For almost a period of XXXX year I was never notified of any unpaid amount, nor was I sent any bills along with the supplies. Out of nowhere, I received a bill from XXXX stating an unpaid amount for the supplies. Upon inquiry, I was not given a straight answer which led to my complaint with XXXX in XX/XX/XXXX. By XX/XX/XXXX, XXXX stopped responding to XXXX. In XX/XX/XXXX, XXXX closed the case. There was no communication from XXXX. Then suddenly in XX/XX/XXXX, I received a call from a collection agency attempting to collect on behalf of XXXX XXXX XXXX. Upon explaining the whole situation to XXXX from the collection agency, I was advised to contact XXXX. Upon several attempts to make contact, once delivering my information and the issue, XXXX hung up on me, this happened back in XX/XX/XXXX. I left several messages and finally, an agent XXXX XXXX XXXX, called me back on XX/XX/XXXX. She was extremely apologetic, and assured me that someone would contact me very soon to resolve this issue, but they had been very busy, which was why they had n't been able to call me back. It 's already been XXXX months and I have n't heard anything from XXXX or the collection agency ( XXXX ). Back in XX/XX/XXXX while speaking to XXXX I mentioned I will be contacting XXXX to make them aware of the issue with XXXX ; she laughed saying XXXX is not going to do anything. In XX/XX/XXXX I say to XXXX I was going to contact XXXX and make a formal complaint about XXXX, once again she said XXXX can not do anything about it. She was right ; XXXX does not even have a section where one can file a complaint against companies like XXXX 
I am tired of the harassment XXXX has put me through for 4 years. They lie over and over because they know nothing is going to happen. 
As per our talk ; I understand when you say is a matter of time ; and in the meantime what should I do? Keep my hands cross and let XXXX do to me and so many others as they please? 
XXXX has to be held accountable for their wrongdoings. I can assure you if we use media to find out how many more people have been treated the same way as I have, you 'll be surprised. XXXX has a count of just a few of them and even like that there are already too many. 
I will not tolerate XXXXs harassment any longer, it has to stop now because I do not owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I sent a certified letter to Experian asking them to investigate and verify the following two accounts ( XXXX XXXX and XXXX XXXX ) on my credit report. 

Experian sent letters back saying they were verified. I sent another certified letter on XX/XX/2017 for XXXX XXXX and XXXX XXXX, informing them that they failed to verify the accounts, asking for a re-investigation and the method of verification of both accounts. I also asked them to provide me with documents bearing my signature, showing that I have a legally binding contractual obligation to pay the creditors the exact amount claimed. I received another letter stating the same thing for XXXX XXXX and XXXX XXXX as verified. 

This is a violation of the Fair Credit Reporting Act.
Product: Mortgage

I purchased a 5 year ARM mortgage with BMO Harris on XX/XX/XXXX. The purchase price of the house was {$260000.00}. I made a down payment of 10 percent and took a loan of {$240000.00}. I was told that my PMI would be automatically cancelled as soon as my loan to value reached 78 percent. That seemed to be true from the contract I signed. The contract said, PMI will automatically terminate on the day the principal balance of your loan is first scheduled to reach 78 % of the original value of the property provided your loan payments are current. This date is XX/XX/XXXX. There is no mention on how any extra payment would be handled. 

I paid extra almost every month towards the principal. Now my Outstanding balance, as per Bank 's own statement ( {$200000.00} as of last statement ), is less than 78 percent for last few months. But Im still paying PMI. BMO-Harris is not considering the extra payments I made towards principal. I think that against CFPB norm/rule, as per CFPB website itself. I tried to resolve the issue many times with the bank. But the bank insists that I have to pay PMI till XX/XX/XXXX. My 5 year ARM term would end on XX/XX/XXXX.
Product: Debt collection

Subject : Urgent Legal Matter - Review of Attached Document Dear XXXX  XXXX and Resurgent Acquisitions, LLC, Please have your legal department carefully review the attached document. This matter is of serious importance as I intend to bring a civil action against your corporation for allegedly violating laws and regulations. 

Failure to comply will result in the consequences detailed in the attached notices. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XX/XX/XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. XXXX XXXX XXXX sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to XXXX on XX/XX/XXXX to have the delinquent mark on my account removed as promised by XXXX, and this appears to still be an issue. My credit report shows no data ( ND ) from XX/XX/XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.
Product: Vehicle loan or lease

MERCEDES BENZ FINANCIAL is in violation of privacy act 1974, I didnt give MERCEDES BENZ FINANCIAL Consent to report my personal information I also dont remember doing any business with this company please remove this from my report immediately, do to MERCEDES BENZ FINANCIAL violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX and XXXX other fraud has been committed under my name. Please show me where I gave Mas Financial the consent to share my personal information to these institutions. 
15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Student loan

I requested a School Misconduct discharge for my private loans from XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They denied my request of a discharge even though my federal loans have already been discharged due to a court approved ruling that my school was involved in misconduct. Mohela 's denial response was vague and read : " XXXX carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ''
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 
Barclays # XXXX
Product: Credit reporting or other personal consumer reports

This is my second attempt at requesting information be removed on an account that is reporting inaccurately. The two late payments on XX/XX/year> and XX/XX/year> for XXXX XXXX account # XXXX were in fact " Paid On Time ''. It is to my understanding that consumer reporting agencies need to report all information with 100 % complete accuracy. This account has " Never Been Paid Late ''. I've attached a copy of my Consumer report for the following dates, XX/XX/year> and XX/XX/year>. Please update these payments to " Paid On Time '' or " No Information To Report '' immediately. Thank You for your prompt action. 

XXXX XXXX Account number : XXXX