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

This is a loan provided by the XXXX XXXX XXXX XXXX Comenity Bank for dentures for my wife. The Dentist 's Office Finance person presented the loan to us as a 0 interest, 24 month loan. We were to make flat payments for 24 months and the loan would be paid off with {$0.00} interest. 
Due to Co-Vid the procedure was delayed a year. Everything about the loan was forgotten until the first statement was received. The only number on the statement was a 'minimum ' payment. Per my original understanding ( made foggy by a year 's passage ), we were to pay a flat amount for 24 months and be done. Since the only number on the statement was the minimum payment amount, I paid that. When the next payment was due, the minimum payment amount had changed and was lower. This did not seem quite right so I read the statement about finances charges. It turns out that if I made only the minimum payment the loan would be paid off in 25 years and with {$25000.00} of interest. 
This was not my understanding of the loan. I called The XXXX XXXX and was transferred into Comenity Bank where it was explained " the flat payment amount '' was not included on the statement, and that I should do that math myself to create my own payment schedule. The Customer Service individual told me flat out that he could not document by letter, email or other written communication what my flat payments needed to be. He did the calculation and gave me a number that I was to pay for the next 22 months to pay off the loan. I was at a loss as to why he could not provide that in writing and so I asked to speak to his supervisor. The Supervisor reiterated the INABILITY to provide a written communication as to what my flat payment should be. 
My concern is that as a XXXX XXXX XXXX, not in great health, I could die at any time. I am the bill payer in the house, and if I go before my wife, she will then be left paying bills. It is entirely possible and very likely that if she needed to pay the XXXX XXXX monthly statement, SHE would fall into the 'trap'/habit of paying the minimum payment, thus lengthening the term of the loan and incurring unexpected interest charges. 
WHY can't Comenity Bank put in writing and list on the monthly statement the flat amount to be paid over 24 months to pay off the loan so as to not incur interest charges? 
Both my wife and I are on Social Security and while we can make the flat monthly payments, we can't afford to pay longer than 24 months or the added interest. 
In checking the XXXX XXXX XXXX website, I see that others have the same complaint. Not having the flat payment amount listed on the statement, and making the minimum payment in error. Clearly this is something that Comenity Bank could do, but is unwilling to do, lest they no longer mislead customers with the minimum payment and thus losing an interest payment stream greater than 26 % for 25 years. This is outrageous.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and had a lot of unauthorized items on my credit report that and they have been very detrimental to my XXXX  health
Product: Debt collection

Received initial phone call from Congress Collection on XX/XX/XXXX asking to collect on debt owed that I was not notified of beforehand. During this phone call, I advised I was unable to make any payments at this time. They stated collection efforts would continue and that it would be reported and hurt my credit if I did not pay. They also left voicemails attempting to collect the debt on XX/XX/XXXX without verifying that the voicemail was private or not.
Product: Checking or savings account

I have twice tried to close an account I have through Oportun ( an automated savings program formerly called XXXX ) in the past two weeks. They have not honored my request to close my account and continue to remove money from my checking account. I have over {$1000.00} in the Oportun account. I assume if they are doing this to me they are doing it to other people.
Product: Money transfer, virtual currency, or money service

Hello! I am representing my company in this complaint.We began having issues with XXXX on Monday ( XX/XX/XXXX ). 

XXXX has caused numerous problems for us. Our current issue is that the XXXX app will not start on our CEO 's phone. When addressed, he was sent to level 2 support and was told his phone was not supported because it was VoIP. It took us 2 hours of waiting on the line to receive this response. What was interesting was when I tried to create an account with a VoIP phone, it worked just fine. We are not happy about receiving false information that damages our finances. 

In addition, all of us have tried to add our company debit card multiple times across multiple phones ( some which are not VoIP ), and we are being told that the debit card information is not correct on every single one. When we waited again on the line for an hour, we were told that level 2 customer support would not be able to add our company debit card to our account over the phone and that it " was against policy, '' and redirected us to our bank. We have verified our debit card information with our bank 3 times throughout this week and we have both concluded that this is a problem with the XXXX mobile app. We have banked with this bank for 2.5 years and we would strongly appreciate it if XXXX could work with us to solve this problem rather than redirect us to a bank which has never had any problems with other mobile transaction apps.
Product: Vehicle loan or lease

My recently acquired vehicle loan with Ally Financial was on automatic payments since the purchase in XX/XX/year>. My secretary changed the account where the loan was supposed to be drawn from, but Ally never made the adjustment until the XX/XX/year> payment went 30-days late. Since I am new to Ally, I ask for a reconsideration on the late payment, and its removal as a one time courtesy.
Product: Money transfer, virtual currency, or money service

I have an account through Current, a financial technology company that works in conjunction with XXXXXXXX XXXX and XXXX XXXX XXXX I received my XXXX back payment on XX/XX/XXXX. Midway through the day I say a notification saying my negative balance has been paid, then I received a bunch of other notifications in rapid succession with the lost one saying the transaction couldn't be completed due to insufficient funds. I found 25 transactions over the course of an hour sucking the money out of my account. All transactions were still pending so I blocked them and called Current who told me they'd stort o dispute. Days later, still no dispute because at the time the transactions were pending and the bank allowed them to be processed despite my shutting it down. I called again and finally got the dispute started, was denied being told I authorized them all. This was my SSI backpay for crying out loud, I need that money ; dubious transactions from a company I'd never heard of and which had no location or phone or even evidence of whot was bought. I escalate claim with proof of no company and no contact, denied. Escalated again per their allowance with a police report. Denied again and told to escalate further only to be told later the case was already closed and absolute refusal to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have asked several times for the validation of these accounts below and they just keep sending me notifications saying account verified but nothing else has been done about what I have asked for so I am going to seek damages for the numerous violations in the amount of {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Debt Validation Request and Removal of Bankruptcies, XXXX account and XXXX  account Dear Sir/Madam, I am writing to formally request validation of the XXXX bankruptcies listed on my credit report, as well as to dispute the reporting and validation of Fingerhut and XXXX credit card accounts. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debts reported against me. Specifically, I refer to 15 U.S.C. 1692g, which mandates that a debt collector must provide verification of the debt upon request. 

The bankruptcies I am disputing are as follows : XXXX. Chapter XXXX Bankruptcy XXXX. Chapter XXXX Bankruptcy XXXX. Chapter XXXX Bankruptcy I request that you provide me with the documentation verifying these bankruptcies, including the details of the accounts involved, the dates filed, and the creditors associated with these filings. Should you be unable to provide this documentation, I request that you immediately remove all three bankruptcies from my credit report. 

Additionally, I am disputing the reporting and validation of the following accounts : - XXXX Address : XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX - XXXX  Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Please provide verification of these accounts as well. If you can not validate these debts, I also request their immediate removal from my consumer report. 

I expect a response to this request within 30 days, as mandated by law. Please be advised that I will be keeping a record of all communications regarding this matter. 

Thank you for your prompt attention to this matter. 

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

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America is using deceptive practices and failing to communicate information concerning services such as mobile check deposits. On XX/XX/2019, I deposited a check received from my retirement savings plan via mobile deposit. I use the mobile deposit options regularly and deposited when I arrived home from work a little before XXXX this day. Normally, the deposit is normally available the next business day. Once deposited, it indicated the deposit date was same day although no funds were available immediately which I understood. A few moments later, the deposit indicated a hold was placed and that my funds would not be available until XX/XX/2019. This was unacceptable. I waited 7-10 days to obtain the check for my 401k savings plan due to my air conditioning being out. I needed these funds for repair, being that my home warranty would not cover. I immediately contacted BOA and spoke with a representative who advised me that normally, the hold wouldn't last that long and funds may be deposited sooner but he couldn't guarantee what date. I explained to him that I have never had this happen before. He was nice. After talking to him I had another question so I called back and spoke with another representative. She informed me that the funds are placed on hold to allow them time to validate the check. She suggested that I take the check in to a branch the next day and present a copy of the check and said that once verified, they should be able to make the funds available. I advised her that I would do so. The next day, today on XX/XX/XXXX I went to BOA on my lunch in XXXX tx on XXXX XXXX. I spoke with XXXX who was nice but after spending 30 minutes on the phone wth customer service and consulting with his manager, advised me that he could not help me. As I returned back to work, I contacted BOA by phone again and spoke with XXXX who advised me that the reason they couldn't make the funds available is because my payee had previous problems funding the account. This makes no sense. I have received several payments from my 401k company and never had a problem. He confirmed that funds would be available on XX/XX/XXXX. I explained to him my problems with my AC, I am in Texas and we are almost in the 90s and I have a XXXX year old and an elderly parent in my home. I needed the funds asap. He transferred me to his boss who said she couldn't help me. This experience has been frustrating to say the least. This information was not presented to me on the mobile app and I was not even advised of this hold or given the option to deposit or not. I then asked if they could cancel and I could go cash elsewhere but they refused. This experience has been horrible. I want BOA to pay for my AC bill - I cant even stay at my home. I have to wait another week to for my funds to be available and this is ridiculous. I want to be compensated financially and apologized to publicly. I want for BOA to release my funds asap and provide me additional fee of XXXX for pain and anguish and to help me because I have not relatives to stay with for another week.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, OK XXXX XXXX type XXXX family FCRA violations : accounts not mine XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Account charged off. {$4300.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. {$8.00} XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$1.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$33000.00} Status Open.
Product: Checking or savings account

On XX/XX/XXXX a transaction that i made for {$3000.00} to be withdrawn from my bank account to my Robinhood account t was completed. On XXXX the {$3000.00} was made available to me. The same day in the afternoon {$1000.00} was removed from the account, then the gery next day another {$1000.00} was removed from my account. These transactions were not authorized by me. I have made XXXX phone calls and have had XXXX chat messages today alone on XX/XX/XXXX i was on hold of a total of XXXX hours to figure out what is going on and was hung up on. I am being put through a circle of requesting a phone call then being asked multiple questions to validate who i am, asked for my photo id and face pics 4 times this has happened and have been told it would be resolved by XX/XX/XXXX, or a risk representative will respond back to me, i have not been able to resolve this issue for over a week, spent XXXX hours or more trying to figure this out and get someone on the phone who can help me without success
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX DEPTEDNELNET-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX  XXXX-Balance : {$0.00}
Product: Mortgage

Consumer Financial Protection Agency Dear Sirs, Madam Re : Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ever since I received a copy of my mortgage statement in XXXX I noticed that they had paid for XXXX house insurance policies for 2015. I had changed my insurance company from XXXX XXXX to XXXX before the XXXX policy expired in the month of XXXX. I had told XXXX to cancel at that time. The policy amount paid by the mortgage company, XXXX Mortgage, was over {$4800.00} where the policies with XXXX and XXXX were about {$2300.00} and {$2600.00}, respectively. I called the mortgage company and they had no answer for the double payment. The only information I got from them was that the XXXX payment was returned to them in XXXX 2015. To this day I have had no communication returned to me at all except for XXXX XXXX XXXX with Freedom, telling me she does not handle these complaints. Please help me with this problem as I do n't know how to make them listen to me. 
Thank you very much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXXXXXX Account Number XXXX
Product: Prepaid card

XX/XX/XXXX Recently, you requested the documents Cash App relied on to determine the outcome of the dispute claim you made. 
An investigation of your claim submission and account details concluded that this is an authorized transaction and no error occurred. 
For your reference, we have included a summary of the transaction ( s ) we analyzed in making our determination. In addition, we also reviewed your account/transaction history and profile settings. As a result, your dispute was denied. 
Thank you for your time and patience while we collected this information. 
Thank you, XXXX Cash App Support Date Status Amount Last XXXX of Card Type Statement Description Instrument Variant XX/XX/XXXX at XXXXXXXX XXXX  XXXX Captured {$4400.00} XXXX Card Present Purchase XXXX XXXX XXXX
Product: Mortgage

Hello, on a second refinance of the home at XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX. The XXXX  that Change Home Mortgage uses, allows special concessions for those with financial challenges, and though we have an 800 credit score and majority home ownership asset on a home appraised recently at {$910000.00} CDFI  helps an income stream challenge. The first refi was done with XXXX XXXX  XXXX CDFI  and has changed its name to Change Home Mortgage ) and this refi is 100 precent successful, never missing one mortgage pay an is up and running and current. They did require some course as part of the protocol of first time use of CDFI loan. Currently we have a show stopping refi stopping controversy as they Change is insisting that a course called " First Time Homebuyers Course '' be taken. Objection has been made for a. this is a refi not a home purchase. b. why would we need to take a same or similiar course that was taken for the first loan that is still current? c. the course forces lying as many questions pertain to a home purchase that is an n.a. and the only way to proceed is to lie about the answer and perjur! If this is so important, why does Change have a home refi course? Since the course has been taken and that loan is still active, this should be waived. The other major issue, is Change was incompetent about took a month to decide on what action to take on a home investor, that has a smaller stake in the home as to subordinate them or what, when all they had to do is spend a day to check their policy and find out it would be necessary to buy out this investment. There was no need for them to delay the loan, that is time sensitive ( they caused a mortgage late charge due to this ) and this delay is causing mortgage and financial jeopardy. Worse yet Change absurdly tired to blame us for this delay, when there is no way we can dictate or interfere with their own policy to subordinate etc. so they have been dishonest about this and in consequence have made us several weeks late on their own deadline to complete the loan as if it is not completed then they said they will charge a large additional amount to continue it, when this delay was all their fault as they have had XXXX months now and when the first CDFI refi was completed in just over XXXX weeks! XXXXChange should offer a FREE extension on this loan, waive the course, and proceed to finalize immediately as their delay are also interfering with a funding donation for a public safety organization.ps not true that we delayed this ( could not do that on policy issue ) as our agent/rep was told to tell state any work that was needed by us and its deadline and we missed none of this!
Product: Consumer Loan

My car was repossessed XXXX XXXX, 2015 and i had an amount due of XXXX including past due charges finance charges as well as the repossession fee of XXXX. I had a month to do so it took Ally Financial 5 days to give me information on redeeming my vehicle. When i finally received the information i started gathering my funds. They gave me a month to pay the XXXX in FULL, they were not taking partial payments. I up called the tow yard to see how much a day was the fee and they stated " For ally we do not charge for storage fee '' Ally tried adding on XXXX $ of storage fee onto the top of the XXXX. Every time i called i had to explain to them the place my car was held had no storage fee some representatives refused to remove the fee. I ended up redeeming my vehicle paying XXXX in FULL on XXXX XXXX, 2015 i did receive an 7 day extension to redeem my vehicle. After bringing my account down to XXXX $ they added a hidden fee of XXXX on my account a couple days later which is adding late charges to my account. Its now XXXX XXXX, 2015 I 've been calling Ally explaining my situation for 3 weeks now and they have still done nothing, all the of reps claim they will note my account and they note very little leaving me a whole story to explain they told me i have to talk to redemption and i did call them as well as the tow yard and redemption states " we did not put any charges on your account because we would n't have released the vehicle if there were remaining charges left, you have to pay the amount owed before redeeming your vehicle ''. So i then called the storage company and they states " There are no charges left pending for that car ''. So that leaves me to believe they added some random charges to my account and they are trying to cover their selves. I spoke with a lady in Texas and she told me that i probably wont be able to dispute the charges because its something i owe. When state law states all charges must be paid in full before redeeming your vehicle. Im paying my care note on time and trying to refinance my car and i cant because of charges on my account.