23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX - XXXX 's XXXX - North Carolina. In XX/XX/XXXX, XXXX sent notice that it would not be renewing my policy effective XX/XX/XXXX. I had to obtain a new provider to take effect on XX/XX/XXXX so as to not have a lapse in coverage. 
On XX/XX/XXXX, XXXX supposedly decided to " reinstate '' policy coverages due to flood damages received in western NC. I, as I'm sure most, did not need XXXX XXXX weeks later due to having to obtain another XXXX, which took effect XX/XX/XXXX. 
XX/XX/XXXX, I received a letter from a debt collection agency attempting to collect almost {$700.00} as reported by XXXX for non-payment of the policy THEY cancelled. This has been extremely stressful ; consumed hours of my time trying to resolve and now affecting my XXXX XXXX. 
I did Not ask XXXX to cancel my policy of 20 years. I did NOT ask XXXX to reinstate a policy they cancelled - Yet they have caused me undue anguish and a negative credit rating!
Product: Debt collection

I am a victim of unfair debt collection practices. The company I.C. SYSTEM, INC. is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.
Product: Student loan

I have been paying back my student loans held by Navient for about 5 years now with a fixed payment plan ( the same amount is withdrawn every month on autopay ). On XX/XX/XXXX I directed an overpayment to a loan. 

Today ( XX/XX/XXXX ) I did a deep dive into my loans to check how repayment was going. I noticed that, though I was charged the same monthly amount, no money from my monthly payments had been going to the loan that I overpaid for the months of XX/XX/XXXX-XX/XX/XXXX. I also noticed that the next time that that particular loan was scheduled to be paid was XX/XX/XXXX, a full year after I had directed the overpayment. 

Obviously, my intent in overpaying a loan was to pay it off quicker, not defer payments and have the loan accrue interest while it was deferred. I had overpaid before and had never had this issue before. To my knowledge, I had not received any correspondence from Navient that would indicate that loan overpayments would defer future auto payments, nor was I given an option at the time of overpayment to choose whether or not I would like to defer future payments. 

I called Navient and they said that they would fix the issue. They would reset the payment calendar on that loan to reflect when I would begin payments ( in XX/XX/XXXX instead of XX/XX/XXXX ) and they would return interest that had been compounding on my overpaid loan. They also said that they would reallocate my previous payments retroactively to reflect my original intention, which was to have my regular monthly payments continue after an overpayment. 

I am filing this complaint for two reasons.

1 ) I am worried that Navient may not resolve this issue in a timely manner and in the way that they described to me on the phone. 

2 ) The practice of defaulting to loan deferment after an overpayment is deceitful. The intent of most overpayments is to pay a loan down more quickly. By defaulting to a deferment, Navient is ensuring that they are collecting interest on loans that have been overpaid. They are hoping that those in debt do not notice that certain loans are not in repayment because of an overpayment and are therefore collecting interest. 

I caught this problem, but I do not want others to have the same issue that I had.
Product: Credit card or prepaid card

Was charged TWICE for items that were never delivered, once by merchant and once by Chase. Need to be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureau and company XXXX XXXX violated hippa law with documents they sent, and did not send verification of debt as requested. Company stated would removed from my credit reports and all bureaus did not follow as said it will. I have reached back out to both the company reporting XXXX XXXX on my credit report and the credit bureaus and no response or resolution of the items deleted.
Product: Debt collection

I owed a little over a XXXX dollars on my maintenance fee XXXX turned it over to pinnacle a collection agency and their fees is about XXXX dollars I have submitted a statement from them I paid XXXX which they applied to my maintenance fees their fees is actually more than the debt owed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attention : CREDIT AGENCIES I recently received a copy of my credit report, and I noticed some unauthorized Inaccurate accounts on my consumer report that should not be on there at all since I am the beneficial owner of my consumer report! Also their is an INTERNAL BLOCK PLACED ON MY REPORT THAT NEEDS TO BE REMOVED AS WELL. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : BY YOU REPORTING AS A UNAUTHORIZED THIRD PARTY WITH NO PERMISSIBLE PURPOSE UNDER 15USC 1681b you are committing identity theft UNDER GBLA and PRIVACY ACT of 1970 List of accounts below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of this account ( XXXX ) is in violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ATTACHED IS A COPY OF MY FTC REPORT, ID, and W2 I expect with in 5 business days these accounts are to be blocked and deleted from my report Best Regards Success All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute online and by phone about wrong addresses reporting on my credit profile, there should only be one address on my credit profile which is my current addresses. Experian keep telling me I can't dispute addresses I never lived at. The fair credit act states that I have the right to dispute incorrect information on my credit report. Experian has told me to reach out to the data furnisher also known as the creditor to dispute the incorrect addresses. I have done that and the creditor tells me to contact Experian but they give me the run around and nothing gets done. I do not want just another automated message, I want it full investigated
Product: Credit card or prepaid card

In XXXX I madd a {$1000.00} payment And told the pond rep test tgd payment id for XXXX and XXXX Problem is the Citibank customer service is in XXXX XXXX and XXXX they all have language problem do t XXXX XXXX fluent Ingush dont know how to go things They call here demand payment I blocked theirs phone Charge late fee MADD my account past due which I am not paid {$1000.00} payment Made my account delinquent which my account should not be delinquent after {$1000.00} payment Deliquent is when no payment made for months
Product: Credit card

The automated credit card payment system continues to collect payments unless it is manually terminated. If automatic payments were set up for {$5000.00}, BoA may collect {$10000.00} before stoping the payments by itself. Automatic payments must then be set up again manually or late payment fees will be assessed without intervention. This is not standard or acceptable automatic payment behavior for credit cards. All other credit card providers stop payments at {$0.00} and start again without manual interaction. This system steals interest, requires a lengthy call to request a refund, and drastically increases risk of avoidable late payments. Further, for the elderly, they may die before this is straightened out, leaving BoA with funds effectively stolen from their heirs. No justification was provided for these terms.
Product: Mortgage

I XXXX of XXXX my mortgage company ( XXXX ) sent a renew payment for my existing home owners insurance policy to be renewed until XXXX. I called to get the company switched and did so in XXXX of XXXX. In XXXX my new home owners policy never received payment from XXXX so I called XXXX and we got onto a three-way call with XXXX  and XXXX XXXX ( my new insurance hazard policy ) and was told that XXXX XXXX never XXXX the payment from XXXX  for this policy. XXXX told me they would rush mail a new check and that check was indeed received by XXXX XXXX in XX/XX/XXXX. 

In XXXX, XXXX merged with Shellpoint and now when I call I have to talk with Shellpoint. 

My escrow statement as of XXXX of XXXX shows two payments in the amount {$2900.00} where there should only be one payment of {$2900.00} made. 

Allied trust never received double payment when I called them today on XX/XX/XXXX so my escrow should not be showing two - {$2900.00} payments. 

When I call Shellpoint about this, they say that because of the company merge, they can not see any history of payments made and they are not able to tell me why my escrow is showing more than one - {$2900.00} payments. 

I have talked with several managers : XXXX XXXX told me on XX/XX/XXXX that a request was submitted to have the check refunded but nothing has been done. 
Spoke with also, a XXXX XXXX XXXX on XX/XX/XXXX and he toldme by next week they will call me but I never received a call back.
Product: Credit reporting or other personal consumer reports

TransUnion, Please see below and attached - I was a victim of identity theft and fraudulent information on my credit report is damaging my ability to obtain credit and needs to be fixed. 

Attached are : my complaint my drivers license, social security card, and address my ftc identity theft report Please have my report fixed immediately.
Product: Checking or savings account

XXXX Cash App XXXX Funds of XXXX no longer exists, nor my account? Repeatedly sent email notifications on situation. Was told to open new account so they could link both accounts as long as I have all information needed. Did that and second account was also closed, whom and why I don't know? Tried for third time I've submitted my documents and information needed for them to link and resolve this matter. Was told to send it threw the app link support. Witch omg I am not going threw this again. In witch I did anyways. It's been since XXXX and still have not received or heard from anyone from the Cash App about my money!!!!
Product: Debt collection

i have a collection debt on my credit report that is not mine, the natl.hospital collection has sent to my credit report that i have a debt with them of XXXX dollars.i an XXXX years old and i have been on my wife insurance were she works for a period of 15years so i do not know were they got this from .please help thank you
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Goodwill Request for Removal of Negative Reporting Dear POSSIBLE FINANCIAL INC. 

I hope you are doing well. I am writing to request a goodwill adjustment on my credit report regarding account, which reflects [ late payments/charge-off/collection ]. 

Due to hardship, job loss, medical issues, financial struggles, I was unable to meet my financial obligations at the time. However, since then, I have worked hard to rebuild my credit and maintain timely payments.
Product: Credit card

cash app card money from a hotel was released to go back on my card t transaction was made XX/XX/year> XXXX XXXX XXXX NJ the hotel released back to my acct XX/XX/XXXX i contacted cash app several times they keep giving me different excuses this is past 30 days now they say i will get a response on email 10 days
Product: Credit reporting, credit repair services, or other personal consumer reports

At the start of the pandemic in XX/XX/2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered that option. They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work.
Product: Vehicle loan or lease

It was brought to my attention of another car dealership that my loan with Exeter finance seemed a little off. I had this car for XXXX years bought XXXX 2020, Ive already XXXX the car off BUT only in interest so I still owe almost the entire balance until I split my payments in XXXX. I reached out to customer service to see if the application I put in was what they received so I asked for my application and they said they dont keep that on file or keep track of it. Meaning everything they needed for my loan just doesnt exist. My income, my down payment, nothing but my name, address, phone number and birthday is all they keep track of. For a company based on car loans you would think they would keep track of anything that is actually needed to approve loan applications. This loan is so high and if I had known this company was this shady I wouldve never signed the paperwork and went to someone else. This company already has lawsuits with other people. 
I was also told that after my first extension, I had to make XXXX full successful payments before I could request another. There was also a call with a customer service rep that was like just make a payment to stay on top of it even when I already expressed that I am struggling financially to XXXX XXXX I have to choose between paying a full car note or feeding myself for the next XXXX weeks of my paycheck. So they only care about making sure we pay our payments, not even caring about us as people.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whomever it may concern, The actions of Comenity Bank and the various agencies that have refused to address this manner are acting against XXXX XXXX XXXX XXXX. I am attaching additional documentation for my communications with Comenity Bank. You can see that they inferred that they would make a goodwill adjustment, despite the fact that there was never a missed payment to begin with and Comenity Bank has told me each time I call to write a letter or report to the credit bureau to get it fixed. Everyone who answers the phone apologizes and says that they don't have such authority. Please read attached correspondence that are screenshots from communication with Comenity Bank, as well as the previous dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage has to be paid by XXXX est on set date. If i pay by then and they post later i get a automatiic 30 day late hit on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX to verify an account placed on my credit. The company 's name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount asking {$140.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 604 A It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I sent documents to Dealer for XXXX XXXX refund. GM Financial has yet to receive Check from Gap insurance. The longer they wait the less the refund will be. I believe this being done intentionally, because when I bought the car a headrest was missing, and I was told it would be replaced in writing, which I signed. When I got home that was the only document missing. I called them and was told to come back multiple times, no headrest on promising, they would replace, or purchase another one. Never happened. The Associate who handled both, Gap, and XXXX is XXXX XXXX XXXXXXXX XXXX  7XXXX XXXX XXXX ext XXXX, fax XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never, or was late since I've purchased this car
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 any item 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 Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Reference # : XXXX Date XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy U.S. Bankruptcy Court  Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX # A XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX to FCRA XXXX XXXX ( 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: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to the delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settles with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Mortgage

Wells Fargo Home Mortgage shows a status discharge through bankruptcy chapter XXXX in the amount of {$54000.00} as of XX/XX/XXXX. I believe this is my current Mortgage that I am and have been paying on. Wells Fargo was not listed in my bankruptcy. Please advise. Thank you in advance for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Payday loan, title loan, or personal loan

I have a loan from Cash CentralXXXXDFS showing up on my credit reports as closed and charged off as bad debt and purchased by another lender. It shows the account was closed on XX/XX/XXXX. And opened on XX/XX/XXXX, with a balance of {$2500.00}. This lender was predatory and never disclosed the actual terms of the loan. It was not until later I realized that it was impossible to ever pay off the principal amount because the interest rate was in excess of 200 %. It violates every usury law and essentially set me up to default on my face. Further, I would have never taken out such a loan if I thought or knew that was the case related to the interest rate. I've disputed it through Credit Repair companies and it still shows up as an outstanding balance owed. Now sold to another lender. I've requested original documentation of this loan and it has never been provided to me. Further, the damage it has caused to my personal credit by their misreporting and intentional dishonest reporting practices should be just caused to have the items removed from my credit report indefinitely and to any future predatory company they claim to have sold the debt to.