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

I spoke to the supervisor XXXX XXXX on several occasions but the last time I talked to him was on XX/XX/21 and I told him that I could not pay the amount due that they were charging me interest every month which I was not aware of because I was supposed to be on a hardship program for 3 months and I was also being charged a late fee. He told me that all of the charges would be removed because I was on the hardship from XXXX, XXXX and XXXX. The next bill was due on XX/XX/XXXX and I should be paying {$61.00}. That is what I paid. Now this month I am being charged a {$40.00} late fee again. I call XXXX XXXX and another supervisor named XXXX XXXX. None of them return my calls and I have left several voicemails. Commerce Bank called me and I explained to the lady the problem and she said she would talk to XXXX. He also told me if I went on the payment plan I would pay 2 % of the bill which would be {$140.00} a month and the card would be closed. The problem is that I was only paying {$70.00} because I had the 0 % interest and now the interest is 13.24 %. They want almost {$200.00} a month I cant pay that. I had XXXX XXXX and I had to go to a lot of XXXX and XXXX and I told them I am on a set income. I cant pay {$200.00} a month. I dont know what I can do to have someone work with me to pay a cheaper payment or have the interest or some compromise. I have to be going for appointments the rest of my life because XXXX could return anytime the doctor said. I got real skinny and I have to gain back my strength not worry about 2 people that are supposed to be supervisors but their not working with the customer or returning my calls.
Product: Vehicle loan or lease

Chase has security policies and rules that are so strict they actually render their attempts at security less effective. I have 16 years of   XXXX   XXXX   and have 100s of passwords I need to know. The only way I can remember them all with out writing them down is to have a formula. Chase 's rules break my formula and actually they are the most restrictive rules I have ever seen which means several variations my formula that I commonly use do n't work. That means the only way I can remember my password with them is to write it down. Any beginner in   XXXX    knows that is the worst thing you can do.
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Once I got past the password fuss they asked me for my personal bank accounts username and password so that I could do an ACH transfer to them. In this day with companies getting hacked all the time Chase is doing their customers a huge disservice by asking for this. This is NOT something anyone should ever do. I have a wallet full of cards and accounts I make payments to by ACH. NO ONE has ever asked this from me. The only other option is to have several deposits made in to my bank account. The only one that has ever asked that is PayPal.
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The bottom line is Chase is not making their system more secure. Its making it less secure and harder to use.
Product: Credit card or prepaid card

On Saturday XX/XX/XXXX chime suspended my checking account for suspicious activity, never said what activity particularly flagged account. Submitted identification documents : ssn card, proof of address, phone bill several times over 49 hour period and company is refusing to reactivate account.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Credit Control , LLC Regarding XXXX  XXXX XXXX XXXX : Account was paid in full on XX/XX/24 to Credit Control , LLC and we have received a letter from the agency indicating it has been paid in full. 

XXXX XXXX XXXX  will not issue a letter indicating the account is paid in full, stating they have not received the information indicating it has been paid. 

XXXX XXXX  XXXX has stated that their records indicate we have paid the amount due and to whom but still won't issue letter of paid, stating that it has not been cleared thru legal and they have to wait 28 days. 

I have spoken to XXXX different people, and they all tell me something different. This situation is affecting the underwriting on a new home loan and I need assistance with XXXX XXXX XXXX  immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has incorrect information in my file. This has resulted in social security and XXXX credit card being unable to identify me. Also resulted in a low credit score resulting in higher interest rate asked for by XXXX XXXX, credit. This problem doesnt exist with XXXX. Scores are 264 points different between the two reports. The co will not verify their data. Demand that I provide copious information trying to prove a negative or pay a fee for them to do it.
Product: Debt collection

I gave XXXX XXXX a notice of vacating the property on XXXX/XXXX/15 due to him creating and allowing a hostile environment where I was being discriminated against due to religion, gender and ethnicity. His tenant moved from their patios to the apartment entrance to harass my nephew and hung around in front of my door to intimidate me because they wanted me to move ; they were XXXX or XXXX men which scared me. I filed complaint with XXXX and he sent a bill for amounts not owed, He allowed his contractors to damage my chairs and never notified me of any repairs being done to the bldg. He put materials in front of my patio door causing me to fall XXXX and I have XXXX and health problems. When I moved in I had to clean the apartment due to roach mounds,, mold and mildew everywhere and coming through the paint. There were all sorts of insects like bedbugs, ants, roaches, spiders and bait coming inside the apt XXXX Workers with keys entered my apt while I was out and left clues to being there including leaving the door open. The contract said the notice had to be given 60 days before move out and on or before the XXXX of the month. I gave him the notice early so that he would be aware of the move and circumstance. He wanted me to give him the notice after 2 more weeks passed which I talked to him personally on the XXXX about this. So, he was given written notice and verbal notice of my move out. He charged me {$1000.00} for failure to give notice and cleaning expenses. I did what he asked, but he retaliated. I called the XXXX police about the incident and he said that he would do nothing without a restraining order, but he made sure he called the police on visitors that I had and you can check the record -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX GA XXXX. He would stand in front of my door every time he came into the complex which stressed me, because it was intimidating and said that he knows everything that was going on in the complex. His demeanor and actions reflected that he wanted me to move and the people in XXXX XXXX & XXXX made sure that I was n't welcome with their actions. I followed what he told me to do, but the fact that he owed me for the chairs means we break even.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX not reporting correctly. This is on a payroll deduction which means it is automatically paid. They are not reporting it correctly the payment amount is not correct nor is the payment history they are showing no payments for XXXX. Equifax is violating 42 U.S.C. Section 666 I - Only after such parent has been afforded all due process required under state law, including notice and a reasonable opportunity to contest the accuracy of such information. This is having an effect on my credit as it is not reporting consistent payments please see attached check stub which shows it is a payroll deduction which means it paid consistently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old charge-off by XXXX XXXX, sold to XXXX XXXX, sold to XXXX, in-house entity of XXXX XXXX, paid old debt off in full, got receipt from XXXX n a  release from XXXX XXXX, been sent multiple times, it's the last debt I owe anyone so kindly acknowledge that because you folks r doing nothing more than holding me back from improving my life further because of this one credit " roadblock '' that has been paid in full n released from the creditor months ago!
Product: Checking or savings account

I paid a bill using my Cash App debit card. I tried to pay XXXX XXXX on XX/XX/XXXX, the amount of XXXX. The first payment showed " payment failed '' on XXXXXXXX XXXX end. I needed to have this paid by the XXXX, so I made another payment of {$370.00} and that payment was successful. I later looked at my Cash App balance and it showed 2 transactions for the amount of {$370.00}. I spoke with XXXX and they showed on 1 payment was successful and suggested that I wait a few days and the money should appear available in my account because it did not go thru on their end. I eventually put in a dispute to Cash App about the extra payment of {$370.00} that should have been release back into my account balance. They required me to put in a dispute online. I did that I think on the XXXX. It took 14days before Cash app credit the {$370.00} back to my account balance, letting me know it was a temporary release until they finished their investigation. I recieved an email from Cash App stating my dispute was denied and the credit I recieved would be reverse on XX/XX/XXXX. I had to call Cash App this time and they put in another dispute. In the mean time I explained and sent the payment history from XXXX showing the 1 Payment that was successful was reverse and sent back to Cash App because they stated it was a fraudulent transaction. I explained it was not fraudulent. I made the payment twice because the first payemnt of {$370.00} did not do thru and this account had to be paid to prevent being charge an interest rate. I have spoken to so many people and explained this. I have aske them to tell me where is {$740.00} of my money because now the loan company has returned the 1 payment that did go through successful on their end. I received another denial email on XX/XX/XXXX from XXXX once again denying my dispute ( XXXX ) with no documentation to support her decison. I emailed her asking to please let me know where my money is because my Cash App account is negative {$370.00} and my XXXX Account has not been paid. I also have a case number ( XXXX ) I also have caim number ( XXXX ) this was denied by XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections item listed on my XXXX Credit report from XXXX XXXX XXXX, XXXX that was listedXX/XX/XXXXXX/XX/XXXX in the amount of {$1100.00}. I filed a dispute via US Mail with both XXXX and Midwest Recovery Systems asking for Validation of the debt. The confirmation number for the dispute for XXXX  is XXXX. I received a letter in the mail from XXXX dated XX/XX/XXXX stating the debt was verified as belonging to me. I called Midwest Recovery Systems at XXXX. The representative from Midwest Recovery Systems stated that they have not responded to any credit bureaus as of yet because they only just received the notice of the dispute on XX/XX/XXXX and sent in a request to the original creditor " XXXX XXXX XXXX '' for a request of validation and has not yet received a response. I called XXXX Customer Service and spoke with a supervisor named Summer who refused to give me her initial of her last name who stated that Midwest Recovery Systems responded to the dispute on XX/XX/XXXX verifying the debt as mine. I asked if they could send me whatever validation that was used, to which she said no. I advised Summer that I called Midwest and I advised her of what they told me and she said that is not what the record shows. I asked if I could call the creditor on conference or if she could call being that there is a miscommunication to which she responded no. I advised XXXX that I already have a fraud alert on my account and she said all she could do is have the fraud department file another dispute. I did indeed just that. It is my belief that XXXX is not disputing my accounts correctly and are not truly receiving any validation and I am appalled that they can not send me proof or that they will not reach out to the creditor so verify if it was indeed them that responded to the dispute. I have sent numerous letters and called Midwest Recovery several times since XX/XX/XXXX and I receive the same response every time. I would like this removed from my credit report immediately!!!
Product: Money transfer, virtual currency, or money service

This is regarding Cash App. I was to send a {$30.00} payment to someone who actually has a cash tag that a scammer has copied with only a slight difference, in order to fool people into sending the money to them. I immediately noticed the error and reached out to Cash App as well as sending a refund request to the individual whom was accidentally selected. Cash App denied me any assistance in correcting the error and the individual denied my refund request. This has happened before and see Cash App isn't doing anything to place safeguards in place so that it isn't so easy to make this type of error. I simply want my {$30.00} back for which I know Cash App could XXXX intervened as I contacted them with minutes of the error however ; they choose the side scammer which in my view as well as others I'm sure makes them complacent on the scam.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 CHILD SUPPORT 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: Credit reporting, credit repair services, or other personal consumer reports

A car dealership used my information without my permission to run my credit a number of times with different creditors. At no point in time did I give them permission to do so. I gave them permission to run my credit twice, not an upwards of 10 times. I gave them permission to run my credit with XXXX XXXX, the creditor who I am currently using to lease my vehicle. The following inquiries listed are the unauthorized inquiries. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiry is from a separate incident where XXXX XXXX ran my credit when I was inquiring about opening a CHECKING account. I was not applying for a credit card or loan. XXXX XXXX XX/XX/XXXX
Product: Debt collection

Collections was settled as part of a settlement with XXXX XXXX XXXX. Lockhart Morris & Montgomery have knowledge of paid settlement.
Product: Credit card or prepaid card

I paid off my Macey 's credit card in full ( XX/XX/2020 ) before the next statement date in XX/XX/2020. Macey 's is trying to make me pay for instrest that is false after my balance was paid off the month before. 
I want Macey 's to remove the {$2.00} interest fee, as I am refusing to pay the interest on a XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/2019 to inform them that the inaccurate information they have purchased from a reseller and put on my consumer file and rental history is fraud. I disputed the inaccurate information with the credit bureau and received my result on XX/XX/2019 that Experian has investigated the alleged debt and removed it from my credit rereport. I requested a copy of my consumer file from XXXX XXXX. I requested to XXXX to freeze my file and they sent me a confirmation email that they processed my request and the reference number is XXXX that a security freeze was added and will remain in affect until the consumer request a lifts. 

I have not requested any file be unfrozen. I have an identity fraud protection alert on all of my credit files and i have not given any third party entity or vendor permission to use my personal data. XXXX has violated mu FCRA rights and used my personal data without my permission, without a signed authorization and is damaging my credit and rental history. Their consumer relations department located in XXXX, TX called me today and stated they unfrozed my file without my permission. I have a right to file suit against XXXX for violating my right s and privacy.They have not sent me an updated consumer report that i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always had an excellent relationship with XXXX and since Navient contacted me about my XXXX Loans in XX/XX/XXXX my health has deteriorated and I landed in the hospital and placed on XXXX XXXX due to their stressful approach and threats to myself and cosigners. I am on a Navient payment plan, and my payment date was scheduled after the credit reporting date of the company, and my student loans were reported as sixty days late in XX/XX/XXXX. Prior to this I called several times and spoke with customer service agents on a recorded line, who assured me on dates and my scheduled payments to remain current. I specifically asked " what date you recommend according to Navient 's reporting date, that I should pay ''. I have always been in contact with them in regards to remaining current. I further contacted management to investigate and confirm it and they said they don't know why my payments were scheduled after their credit reporting date, and there is nothing they can do. Now my credit report shows that I was 60 days late impacting my ability to receive credit, having lower interest payments and my standard of living has diminished. This information has been reported to my XXXX report. Is it the goal of Navient to scare, threaten or place students into a destitute situation? I have always strived to be a good citizen and pay my debts.
Product: Credit reporting or other personal consumer reports

The immediate deletion of unauthorized inquiries on my credit report, as these are a blatant violation of my rights under federal consumer protection laws. I did NOT authorize these inquiries, and any record of them being on my credit report is not only misleading but also illegal! According to 15 U.S.C. 1681b ( c ), no one has the right to access my credit report without my expressed, written consent. For each of these unauthorized inquiries, I am requesting the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) that these entities had permissible purpose to pull my credit. You are required to provide documentation showing my signature explicitly authorizing these inquiries. Since no such documentation exists, you are legally obligated to delete these items IMMEDIATELY. I am also aware of my rights under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which detail the civil liabilities for negligent and willful non-compliance with the FCRA. If I do not see these inquiries permanently removed within 4 days of receipt of this letter, I will take legal action against your company and any third party involved for each individual violation. The statute allows for compensation of actual damages, attorney fees, and punitive damages. I will not hesitate to escalate this matter further if my rights continue to be violated. XXXX. XXXX XXXX XX/XX/24 XXXX. XXXX, XXXX XX/XX/24.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am writing this complaint to inform you guys that my personal information was affected by the Equifax data breach and the accounts that I am attaching bellow are fraudulent accounts and and needs removal from my credit report. I've tried endlessly by notifying the credit bureaus of the issues at hand and how it has been a major hinderace in the growth of me building my credit. In result, I was pointed into this direction to get this issue that has been affecting my life resolved.
Product: Debt collection

On XXXX around Mariner Finance, office in XXXX, IN, called my wife at work after multiple attempts to contact me. The lady was rude and told wife that she would call every day because we are 2 months late which we arent. We missed XXXX payment due to my fathers death. XXXX payment is not even 30 day late. 

The lady stated that my wife didnt understand how serious this is. My wife shared that she needed to contact me but the girl kept pressuring her to make a payment. My shared that I handle the financials the lady said I am sorry he does that. My wife explained no that how our marriage works. The lady then stated that the account was open and maybe forged the check. 

Then she continued to lecture my wife and when wife shared she understands the girl then gave the phone to her manager, XXXX XXXX, who then continued to lecture my wife and would not let my wife get a word in. My wife was at work in the middle of project. She ended up hanging up on XXXX and called I went to their office which their is closed. So I called and explained to them that at times they call I am not able to answer and they didnt leave a message. I explained that my father and I had some unexpected expenses that put me behind. I also explained to them that I have been doing business with them for years and always pay my loan off early. I then requested that they dont call my wife at work. The lady refused and talked in circles about how my wife name is the only on the account and that is the only way to contact her. Again my family has been a customer for years at this company. I have made the payment by phone or by going into the office. The tactic they used to get a payment was harassment, unprofessional, and caused us stress during work hours. 

I made XXXX payment over the phone and was asked when can I make XXXX. I shared I could make it next week. I was to auto draft it but I felt pressured to do so in order not to get harassed and 2 calls everyday during are busy workday. 

I understand stress of this time with COVID and the risk/stress loan companies are under but this was over doing it. I have been a loyal customer at this office for years. In addition, this week my wife received a loan offer for {$850.00} ( what! ). 

I am so frustrated about how we were treated.