23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Been on income contingent plan for years. Recertified my income contingent plans this summer and in XXXX of this year. 

Navient did not apply income contingent plan to my federal loans instead it was applied again to my private loan that has small balance. I received notification stating my monthly loan amount will go up to almost 2k and to recertify. I was confused because I already did this but I went to certify through my studentloans account again and was unable to recertify b/c it said i already recertified. 

I faxed Navient and email them through my Navient account on XX/XX/25 and i received an automated email notification stating will follow up within 24 to 48 hours and company never did.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I have a loan and I am behind on my payments. The company is Credit Central. The have XXXX  the references ( my personal friends ) by calling XXXX of them and telling them that " if didn't call them and pay XXXX today, they were going to sue me and garnish my wages ''. This occured on XX/XX/XXXX at XXXX XXXX and the call lasted XXXX minute and XXXX seconds. They also called a second friend XXXX times in XXXX day and that was on XX/XX/XXXX and XXXX, XXXX both XXXX and again at XXXX XXXX. XXXX the last call at XXXX, my friend answered the phone and Credit Central told him that unless I called them back they were " prepared to file the paperwork to garnish my wages at 33 %. '' I believe all this was illegal and they have revealed my personal information to my friends. I am highly upset and demand and formal apology from Credit Central they should be fined and I should sue them. The office is located in XXXX and is located on XXXX XXXX.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 ; SEC 602 states that I have the right to privacy. 15 USC 1681 SEC 604A SEC 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This statement is in regards to the account below - Capital One Reported dates of XXXX, XXXX, XXXX & XXXX XXXX XXXX 
Status of the account shows " current, was past due 60 days. ''
Product: Checking or savings account

Soo Ive had an active, open account with regions for over 4 years now? Im not sure where too even begin but I guess Ill start in XX/XX/XXXX ; My wife and I started trying to XXXX! Of course a couple of loans were needed to make this happen but itll all most definitely be worth it right?!? Wrong! Regions has gotten AT LEAST 4 thousand dollars out of me in excessively abusing the over draft/ returned fees. Which in return has made me late on my rent x2 months, car note and so much more! I havent received 3/4 paychecks in the past month or so. Ive called numerous times trying to close my account due to SMALL subscriptions I couldnt figure out how to stop. There was probably a total of 6/7 employees telling me it was my fault, always on my end, never anything they could do to help. I HAD to have a XXXX balance and nothing pending.. got it, my account has literally NOT ONCE been at this point. So FOOLISH ME opens another account online with regions thinking it was just an account being neglected etc whatever ( about a month and half ago or so ). So I transferred both my wife and Is direct deposit to the new account, which is currently active and Now they have taken it upon themselves too start STEALING my entire paycheck and replacing it the other acct to bring it to balance.. which still hasnt freaking happened BTW. When I called to explain what was going on and beg and plead for advice or help ( TWO MONTHS LATE ON RENT NOW ) I was told that it was collections taking out for my old account and nothing could be done to help because it wasnt under theyre control. I asked if it was legal and was told that it was in the contract I signed to open my acct, I asked her why they didnt call me Simply because Ive been trying to get someone to stop this MONTHS AGO. It was the system well After not getting the last check ( XX/XX/19 ) I was supposed to get AGAIN due to being negative even though Im supposedly protected but at this point Im feeling freaking attacked. Well yesterday XX/XX/19 I took it upon myself to call and file a complaint, the man taking the complaint was very understanding and even mentioned a few discrepancies that didnt make sense. Especially one! I was told ACH payments COULD NOT be stopped or prevented by a woman employee 2 calls ago.. well  this young fella ( praise the XXXX ) mentioned that she was wrong that I could simply pay a fee or something along those lines too prevent them from coming through.. so needless to say I feel robbed, I feel violated and CAN NOT trust my bank to protect my finances whatsoever. They are abusing their right and authority. Ive been considering getting a lawyer but figured Id do some research and found this website. This has happened before, theyve been sued for this! I hope you can get my voice heard! Please. Im working and living too pay a bank right now and losing everything in the process. Im a XXXX year old female just trying to survive here!
Product: Debt collection

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. XXXX PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX ( Original Creditor : XXXX XXXX )
Product: Debt collection

pUT ME IN COLLECTIONS WITH bAY cREDIT, AFTER REPEATED ATTEMPTS TO GET PROOF IT WAS MINE.tHIS WAS FOR XXXX AND & I HAVE NEVER BEEN ON XXXX.WROTE THEM NUMEROUS LETTERS, SENT THEM PROOF AND THEY REFUSED, STILL PUTTING IT ON MY REPORT.
Product: Money transfer, virtual currency, or money service

PNC prevents linking customer accounts to online financial services accounts. This prohibits PNC customers to be able to do online transfers through third-party providers such as XXXX. PNC customers should have the right to these services like any other XXXX XXXX   customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the XXXX XXXX XXXX that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$82.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX XXXX  INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

Santander Consumer USA somehow put my loan on auto pay when I have been paying by check since opening account. They withdrew an extra {$320.00} from my bank account in XXXX and XXXX of this year, causing {$140.00} in overdraft fees. I have been trying to get all my money back for month and everyone I call, they have excuse or need more information. They now owe me {$460.00} as s month has passed so another payment became due. They have embarrassed me at bank as I do not normally go in hole and I have n't been able to pay other bills and killing my credit! I work XXXX jobs and NEED MY MONEY BACK!
Product: Mortgage

I have a case with you is XXXX I receveid a letter from nation star saying tht I was missing documents when I had printed out from there site that all paper work was recived so what are they doing playing with my feelings all I ask is for me to keep my home iam XXXX XXXX XXXX and all I want is to lower my mortgage payment that there going to raise in XXXX to XXXX wich I can not afford due to the fact that I I lost my wife along are the papers that they send and the papers that I printed out from there web site that everything was completed please help me Sincerely XXXX XXXX
Product: Vehicle loan or lease

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX CREDIT ACCEPTANCE CORP Account # XXXX To Whomever it May Concern, I am writing regarding the above referenced account. This is not a refusal to pay, but a notice that this account is disputed. This vehicle was return by XXXX XXXX XXXX & XXXX XXXX to XXXX XXXX in the state of New Jersey on XX/XX/XXXX and resold XX/XX/XXXX Under the laws of the states of New Jersey UCC 9.506 and state XXXX and XXXX statutes, a deficiency can not be determined or claimed unless all of the required notices were properly and timely given, and all+of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and PROOF of the commercially reasonable manner of the resale of the subject vehicle.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit report will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above request, I reserve the right to seek damages against all parties, under all available state and federal stabites and UCC? 9 remedies. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I 've done extended research on how creditors and the XXXX credit bureaus report information on my credit report. I 've been monitoring my credit since XX/XX/XXXX, I did this in preparation to purchase my XXXX home. After I became a homeowner in XX/XX/XXXX, I kept monitoring my credit reports/scores with the intention of refinancing my home within the next year and be able to obtain a lower interest rate. This past week, my car broke down, therefore against my will, I found myself in need of a new car, this meant that I would have to allow a creditor to pull my credit and take the " hard-hit '' on my credit report. I looked for a new vehicle online for several days. I saved information of the vehicles I was interested in, I 've contacted the dealers and owners of the vehicles to make sure they were still available and at that point I scheduled time to go out and test drive the cars. After many days of researching pros and cons on my already narrowed-down choices, I finally picked the car I was comfortable buying. The car was at XXXX a dealership in XXXX XXXX, IL. I visited the dealer, XXXX a sales man greeted us ( my husband and I ) and showed us the car, we test drove the car and decided it was time to sit-down and negotiate on the price, we set-down with XXXX ( the sales man ). Once we started discussing financing options, I explained my situation and made XXXX aware that I was monitoring my credit meticulously, I explained my reasons and told him I would allow them ( the dealer ) to pull my credit report XXXX and mentioned that I did not wanted more than XXXX " hard-hit '' on my credit report. It was late at night, past their closing time. They kept coming back with offers on monthly payment that I was not pleased with. At this point, I was under the impression they were negotiating on the price, they did not mention they were allowing several banks to pull my credit report. We did not reach and agreement that night. Next morning, I looked at my phone and had XXXX alerts. It was not just XXXX but XXXX alerts from my credit monitoring account!!! The dealer decided to go against my will and in an effort to provide me with a lower interest rate, they had XXXX different banks pull my credit report, causing XXXX hard hits to my credit report without informing me of their decision. I am furious!!! I do not know if they 're aware of how difficult it is to establish and keep a good credit score. They have ruined years of hard work!!! I have spend the past years stressing about making sure every payment is on time ; making sure I do n't go over 30 % of my approved credit on all open credit accounts and in XXXX night and without my consent this dealer allowed XXXX different banks to performed a hard credit inquiry on my credit report. There must be something I can do to stop this from affecting my credit scores! Please help!
Product: Bank account or service

I actually signed up for overdraft protection with BOA ; which to my understandiing meant that if you overdraft your account ; that you would be protected an the transaction would be paid. So on XXXX 2015 my credit card payment was deducted in the amount of XXXX. Which was fine ; because I assumed that the transaction would be paid ; and that I would have time to place my funds in my account by the XXXX of this month. However once again with BOA they never live up to what they present or state I really ca n't afford for this payment to be returned. I am fine with the overdraft fee that has occured ; because I had that all planned out to be repaid. I sware at this point I am so over BOA right now. The payment that should not have been paid prior to this one ; was and I had to file a claim, Now this payment I really didnt expect it not to. Help!! As BOA of america bites.
Product: Debt collection

an capital one account has been opened in my name and has a balance of over 1500 . I have informed the company that it has been an issue with identity theft and capital one has did and investigation and are still holding me at fault which is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. the INQUIRES listed below in the SECOND paragraph have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The Following inquiries are unauthorized. XXXX XXXX  ser XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have been waiting 4 months for this company Fedloan Servicing to process my IBR application. I faxed my original application on X/XX/17. Approximately 1 month later I received a letter in the mail stating that my application was not processed because it was incomplete. I called the customer service line and asked what was missing from the application and they stated that page 3 was missing from the application. On X/X/17 I faxed page 3 to Fedloan servicing. I called the customer service line again and asked if they received the fax. They said yes and stated they would begin processing my application. Yesterday, I received a bill in the mail in the amount of XXXX which is outrageous. I called Fedloan Servicing again and inquired about the status of my IBR application. The customer service representative informed me that my application had not been processed because I did not fax all the documents together in one fax. Since I faxed page 3 in a separate fax they would not process my application. This is ridiculous. Over the past 4 months not a single employee of this company informed me that all documents had to be included in 1 fax. Different employees will give you different stories when you call them on the phone. Multiple employees told me it was perfectly good to submit the missing 3rd page by itself. I now have another employee telling me that all documents must be faxed together. Why is it so hard to take the page 3 fax and add it to the other pages and complete my application?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my Rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon reviewing my credit report, I have identified several billing errors that constitute violations of 15 U.S. Code 1666 ( b ). Specifically, the creditor has failed to comply with the requirement that payments on an open-end consumer credit plan must not be considered late unless each periodic statement is mailed or delivered no later than 21 days before the payment due date. Additionally, there has been a failure to accurately reflect payments or credits issued to me and a computation or similar accounting error on the creditors statement. Since I was not notified 21 days before the payment due date, any reported late payments on this account are incorrect. I request that you provide solid proof from the creditors bank account showing that I did not make the payment and that it was marked late, as this indicates a billing error. The items in question must be updated to " paid as agreed '' on my consumer report. 

XXXX - XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never late, so delete this 30-day late remark from the payment history as follows : Late 30 days in XX/XX/XXXX Late 30 days in XXXX XXXX XXXX USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX XXXX XXXXXXXX I believe this is incorrect and should be removed by the provisions of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act of 2020. According to the XXXXARES Act, during the COVID-19 pandemic, creditors were required to report accounts in a manner that did not adversely affect consumers who were granted forbearance or other relief due to pandemic-related hardships. The account in question is reported as late, despite my eligibility for such relief under the CARES Act. Remove these incorrect late 30 and 60 days from my report!