23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I took out a loan for {$800.00}. I was told there was a finance charge of {$280.00}. Every time a deduction was made from my checking account the amount was always {$280.00}. I logged into my online account to check on my loan and saw that there was no payment history recorded, and every time a payment was made a new loan was issued taking the initial {$280.00} fee. I paid {$1100.00} over several weeks and never paid anything down on the original loan. I contacted Castle Payday via email asking if there was something wrong with the account and why the original loan was never being paid on and why every time a payment was made it was being treated like a new loan was taken out and never had a response. The website is unclear about how much will be paid in interest and fees on a loan. Also the online site does not give a full account history after payments are made. Castle Payday hides the fact that you will never make headway on the loan and by not giving someone their payment history they can not see that they are not making progress on paying down the loan. Now I have paid in more money than the loan was issued for and never even got any of the principle paid. The original loan was taken out XX/XX/2015. First payment was XX/XX/XXXX. I have an image I will attach with this complaint that shows that Castle Payday was issuing a new loan in my name after every payment. On XX/XX/XXXX, I logged in and took a screen shot of my account. It says I took out a new loan which I did not do and never shows any payments toward my loan. They are now known as XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

Self lender failed to withdraw the XXXX payment from my account. So I was 30 days late. That was the ONLY time that I was late. I then closed the account and paid it. They have now listed that I was 30 days late TWICE on my reports, which is inaccurate. They have failed to correct said innacurate information now after I disputed it with the cras it has tanked my score by 60 points.
Product: Debt collection

XX/XX/XXXX my car was stolen, in my car I had my check book. Whoever stole my car also wrote bad checks out of that account. I reported this incident with XXXX at that time. The manager of the branch told me everything was taken care of and the account would be closed with out a problem. In XX/XX/XXXX I got served with legal papers saying that I owed that balance plus legal fees. At that time I wanted that problem to go away so I agree to make payments. A few weeks later I lost that job and was unemployed for years. Now I received a garnishment notice directly in my mail. The last time I made a payment was in XX/XX/XXXX. For what I understood there was a statue of limitation that protected me against being garnished at this point. The other reason I 'm filing a complaint is because the garnishment is already in process but I was never physically served paper or contacted to agree of the debt. I do n't think it 's fair to have to pay all the attorney fees for a balance that should n't even be owed in the first place. It took years after the incident with XXXX until I found out of the mess it caused. At the time the branch where I went to submit my proof of fraud was already closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX makes this claim that a nationally recognized collection agency known as XXXX XXXX is trying to collect on a debt from a public utility company known as XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my Experian credit report XX/XX/2023. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that this collection is over seven years old. XXXX XXXX has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. XXXX XXXX is in violation of their subscriber agreement with Experian, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by Experian and if documentation proves my position, a complete disassociation with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Money was sent legally for all purposes directly to me and verified numerous occasions and methods money gram misrepresented money was picked up late wrong not available
Product: Checking or savings account

I was depositing {$5300.00} - {$6000.00} cash into a US Bank ATM machine on XX/XX/year>. This was a new machine that accepts upto XXXX bills. I had all {$100.00} dollar bills. The machine malfunctioned and I got a receipt that says A MACHINE ERROR HAS OCCURRED AND WE ARE UNABLE TO CREDIT YOUR ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. 
CONTACT YOUR FINANCIAL INSTITUTION AT THE NUMBER ON THE BACK OF YOUR CARD. 
KEEP THIS RECEIPT. 
I called the bank right away and reported the issue. The person told me it would take 3-5 business days to resolve. When I called again XX/XX/year> to follow up, I was told that there was no case submitted regarding this incident. I had to start the process all over again. Now I was told that It will take 10-45 days. 

I originally brought a check to the bank, but the teller told me they could not accept it because even though it was in US dollars, it was from a XXXX bank. 

Now this happens through their ATM.
Product: Credit reporting or other personal consumer reports

I disputed 7 claims with LexisNexis ( LN ) on XXXX. LN stated by law they had 30 days to do an investigation on the claims showing on the report, anything Unverifiable were to be removed from the report. 

I received a LN letter dated on XXXX regarding 3 claims, 1 claim was unverifiable and was removed, 2 claims were unverifiable and are still showing on my report. One of the 2 claims is a duplicate on my report is still showing as a duplicate on the report. 

One claim was from XXXX, as of XXXX XXXX my report from my Insurance Broker it was still on there and it was longer than the 7 year time frame. However, per the LN representative on XXXX stated it was now removed. 

I never received an investigation response on claim dated XXXX, I've asked for that claim to be removed from my LN report. 

Consumer Number : XXXX Case Number : XXXX
Product: Checking or savings account

In short, my online savings account with Marcus by Goldman Sachs is locked XXXX times within a XXXX. See details below : 1. First lock - XX/XX/XXXX, XXXX ( XXXX weeks after opening the account ) - Called Marcus. They said they were unable to verify my account since the number on profile doesn't match my name and there is another number tied to my name. I checked with XXXX XXXX XXXX and my number does go under my name. They said someone will reach back to me within XXXX business days. 
- Over the next few days, nobody had reached back. So I called back and they said exactly the same thing. 
- Over a week, I called them and still the same thing. No update at all. 
- Over XXXX days, I called and they said they were unable to verify me and will send me an Affidavit of Identity ( AOI ) form. 
- Over XXXX days, finally received the XXXX form. It's only a piece of paper that I can download on their website. I DID NOT understand why they will need to mail it to me. I spent {$15.00} doing the notery and another {$15.00} to mail it back to them. 
- XXXX days on XX/XX/XXXX : they finally received the AOI form and unlocked my account. I asked for compensation but they refused any. 

XXXX. Second lock - XX/XX/XXXX - My account is locked again within XXXXXXXX XXXX of unlock. I called them and a representative said they are force closing my account and refused to disclose any reason over phone. They also said the fund in my account will be transferred back to my funding account. 
- XX/XX/XXXX : No funds have been transferred back to my account. I called again and the same situation happened as the first lock : they were unable to verify my identity because my phone number doesn't match my name. They guaranteed again someone will contact me within XXXX business days. 

At this point, I don't trust any of their guarantee or promise. I just want to get my funds back and close my account with them. Within the XXXX days since the opening of my savings account, my funds are locked about XXXX days, which caused significant financial crisis to me.
Product: Money transfer, virtual currency, or money service

I signed up for a CD with XXXX for 5.15 % for 6 mos. They wanted an application filled out, which I did. However, when the application was approved, it was approved for 5.05 %. I contacted them and stated that I had signed up for 5.15 %. They hemmed and hawed but stated they would give me the 5.15 %. So, I signed the transfer document for {$210000.00}. Whereupon, I got a message through their portal, shortly thereafter, indicating they would not honor the 5.15 % and instead 5.05 %. I immediately cancelled the application. However, XXXX took the money anyway, which was odd, because I needed to transfer money from savings to checking ( because they had also demanded a blank check and I didn't have any checks for the savings account which was only opened as a transfer account ). Bank of America, my bank, proceeded to overdraft my checking account by $ XXXX, leaving it at $ XXXX, negative. So, all of my other payments going through there started bouncing. I went to the bank and got the runaround from a woman at XXXX XXXX, NY who refused to issue a fraud reversal. So, I opened a new account at another bank, and moved all monies I could move, leaving my checking account money of about $ XXXX and the $ XXXX negative balance. Per XXXX, they would return the money, after it finally got to them ( because it still hadn't ), in 5 days. Bank of America had no authorization to overdraft the account, let alone move the money without finding out why an authorization was filled out for an account which didn't have the money in it, but they did, via overdraft. Now I am scrambling to get almost XXXX XXXX XXXXXXXX dollars out of there for fear it isn't safe, and having to set up a new account elsewhere, and arrange to pay bills which are gon na bounce. Bank of America would not file the fraud report, and further justified their actions like the movement of a XXXX XXXX XXXX dollars without my authorization was okay as long as it came back, if it comes back, and isn't long gone by then.
Product: Mortgage

When purchasing my home in XXXX XXXX XXXX, I made an over payment to the escrow of {$2600.00} due to an error made by US Bank home mortgage. I received letters from the bank stating a refund check was sent for this over payment, but have never received that check. I have been assured on 4 separate occasions, in XXXX XXXX  XXXX, XXXX of XXXX, XXXX of XXXX and in XXXX of XXXX that this payment was being sent to me. The bank now claims that there is an escrow analysis and they can not send the over payment until that has completed. They also stated that on all of the other calls in which I was assured this check was sent that their representatives errors stoped it from being sent. 

Considering I have been owed this refund, and attempting to collect this payment for the last year, this would seem unethical, and not in fair dealing. 

I am not getting any interest on these funds and have been lied to or facts have been misrepresented on many occasions for the past year about this issue. I went as far as filing a complaint with USPS after assuming they ( US Bank ) had sent it again and it still wasnt delivered. Today, the representative told me they still had not re-sent the check in any of those instances, and now could not send it since the escrow analysis was pending again.
Product: Debt collection

IC Systems has violated 809 ( a ) of the FDCPA, in that the company identified has failed to provide written notice of alleged debt or the contents surrounding the alleged debt. The alleged debt just showed up on my credit report without prior notice. IC Systems did not attempt to contact me prior to reporting this alleged debt as a collection to the credit bureaus. As of this date, XX/XX/2021, IC Systems has not provided any initial communication in connection with this alleged debt. Furthermore, I have never heard of this company, nor have I engaged in any business with IC Systems. IC Systems is attempting to collect and allege debt in the amount of {$150.00}, as indicated on my credit report. IC Systems NEVER once mailed me any information pertaining to this alleged debt. IC Systems has also violated 15 U.S. Code 1692g pertaining to the validation of debts because, as a consumer, I was never given the opportunity to ask for validation of the debt. In addition, IC Systems is also in violation of the 15 U.S. Code 1692c surrounding communication in connection with debt collection which states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I am insisting that this erroneous information not only be removed from the credit report, but my personal information be expunged from all data systems associated with IC Systems. IC Systems is now in violation of the FDPCA and the U.S. Code, they are subject to fines of {$1000.00}, which I may collect by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from IC Systems within 10 days. IC Systems should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present IC Systems with legal inconvenience with the FTC and other state and federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for XXXX XXXX XXXX and XXXX XXXX XXXX  has expired as when the last payment was made on each accounts. In addition, the original XXXX XXXX XXXX original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. XXXX XXXX XXXX  offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.
Product: Payday loan, title loan, or personal loan

In XXXX of 2020, I received an email stating my automatic payment did not go through and it was due that day. So I got online and made a manual payment. A few days later, I noticed it was taken out of my bank twice and paid twice to the company. I reached out by email and due to the pandemic, I needed to call but there were horrendous long waits. In may I did an online dispute with my bank and they agreed with me and refunded my money. In the mean time my loan was considered late as this payment was removed from there system. I called and reached out to them and even spoke with a supervisor. I finally got a case number and asked them to reach out to my cell phone. No one has called except for collections. I finally got an email and wrote back to the lady with no response. I got a collection letter stating they were going to turn me over to a collection agency. I printed out all my documentation ( 20 pages or so ) and sent to the attorneys office listed on the letter. I sent it certified return receipt. No response. I finally wrote the lady again with my case number and to the service department and waited a week with no response. I'm still getting collection calls on my home phone! I have since been charged every month with a different late fee. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to Experian in regards to an alleged XXXX XXXX XXXX loan asking them to verify an alleged debt with proof of original documentation, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1500.00} INQUIRIES : XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS PURPOSELY STATING THAT I HAVENT SUBMITTED MY IDENTIFICATION DOCUMENTS WHEN I HAVE NEARLY XXXX TIMES IN THE LAST XXXX MONTHS. IVE SENT IN A NOTARIZED AFFIDAVIT 3 TIMES AND ALSO UPLOADED IT TO EXPERIAN.COM/UPLOAD EXPERIAN NEEDS TO BE INVESTIGATED FOR FRAUDULENTLY STATING THEY HAVENT RECEIVED PEOPLES DOCUMENTS JUST SO THEY CAN DENY YOUR INVESTIGATION / REQUEST TO BLOCK. 

IM SEEKING AN ATTORNEY HOWEVER THIS MUST BE LOOKED INTO, THEY ARE VIOLATING THE LAW. THAY KEEP SAYING THEY HAVENT RECEIVED ANY DOCUMENTS PROVING MY IDENTITY WHEN I HAVE EVEN SUBMITTED COMPLAINTS HERE THROUGH THE CFPB MULTIPLE TIMES. 

THEY ARE DOING THIS TO DELAY AND NOT INVESTIGATE. 

THEY ARE REPORTING ACCOUNTS THAT SHOULD BE BLOCKED DUE TO IDENTIY THEFT. XXXX AND XXXX HAVE ALREADY BLOCKED THE ACCOUNTS HOWEVER EXPERIAN CONTINUES TO DENY THAT THEY HAVE RECEIVED THIS INFORMATION FROM ME. 

I AM SUBMITTING ALL DOCUMENTS ATTACHED THAT I HAVE SENT EXPERIAN SEVERAL TIMES. THIS IS GETTING REDUNDENT AND ABSOLUTELY UNFAIR THEY ARE DOING THIS TO PEOPLE. 

IM SEEKING {$1000.00} PER VIOLATION FOR EACH ACCOUNT THEY FAIL TO BLOCK. TOTAL ACCOUNTS XXXX = {$5000.00} IF THIS GOES UNRESOLVED. 

THE LAW STATES YOU MUST BLOCK AN ACCOUNT WHEN BEING NOTIFIED OF IDENTITY THEFT. I HAVE SUBMITTED ALL DOCUMENTS REURED BY THE FCRA
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Midwest Recovery Systems has reported an account in collection to all 3 credit bureaus.They did not provide account number, dates, or any identifying information. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within  30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Anything a credit card company tries to pull my Transunion credit report, it say that theres a freeze on my account. There isnt a freeze on it and Ive talked to at least 5 Transunion reps that said that theres no freeze and they dont know how to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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: Checking or savings account

Everything was fine until I asked to dispute a charge because I didn't receive what I paid for. At that point, I stopped getting any replies to my messages then they restricted my account and I have no way of getting ahold of anyone to find out why it is restricted. Just as with the other issue, they send me a generic " we're escalating this to the appropriate team and they will reach out writing 1-2 business days '' and I never hear from anyone after that. The bank is a virtual bank called XXXX. It is owned by First National Bank of Omaha