23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Over the past 7 years I have taken many steps on trying to get this account resolved and closed. This account in XXXX of XXXX was opened under false pretense with the co applicant. I was told I was the purchaser and the co applicant was the co-signer. Years after the repossession I found out that I was actually the co-singer and not the purchaser. Why would a XXXX  year old co-sign for a XXXX year old. ( makes no sense ) I trusted who was helping me get to car so I did what ever he said and signed where he told me to sign not knowing what exactly I was signing but trusted who was telling me to sign. Years later, I worked with XXXX XXXX to get the account taken care of and they had the account closed with a {$0.00} balance. After the closing of the account, the account some how had been reopened affecting my credit score and then closed once more. In XXXX of XXXX I contact the company to ask when the account would come completely off of my credit report since it have been 7 years and she said after XX/XX/XXXX of XXXX. I waited and the account never came off of my credit report. XX/XX/XXXX I reported the account again with XXXX to have it removed due to its age. Upon checking my report on XX/XX/XXXX the account had been reopened once more affecting my credit score AGAIN. I contacted the company and they said that they have every right to close and reopen the account as many times as they want until the amount is been paid. ( affecting my credit score more negatively every time ) After saying this she went on to mention that " But due to the age of the account we are not going to pursue it, I will close the account with a {$0.00} balance. Be aware that because of this you will get a paper in the mail for your taxes because this will be considered earned income and you will have to pay taxes on this. '' I have never in all the other times this account was opened and closed paid taxes on this and now all of a sudden I have to. She also mentioned that this account XXXX never come off of my account. I explained to her that I was told other wise and now I am being told it XXXX never come off. My Credit score is now well under XXXX due to this account and the many times they have opened and closed the account. I worked hard to get it to where it was with the repo still affecting it but not as bad because it was a closed account. Now that they reopened it again it has affected my credit and has now cause my credit to go down. I just want this account off my credit from 7 years ago. I was young I made a mistake its been 7 years and I paid for the consequences. I have now many open and in good standing accounts with no issues working hard to build my credit so I can buy a house one day. This is the worse company I have dealt with and never again will I ever deal with them for any reason what so ever.
Product: Checking or savings account

Navy Federal Credit Union XXXX waited to make payments in a timely manner which caused unexpected delays and unnecessary fees to occur on multiple occasions during a 24 month period. It caused financial distress for my family.
Product: Mortgage

There is an online option payment which describes Due date, amount, principal, etc.

I made a payment with the specified due date, and put a specific amount for principal, the company does not apply the payment, which means if you don't catch up, and make a few phone calls, you will be late on your payments. Seems like the company does this to gain in interest, since they don't apply the payment right the way. 

Company SLS purchases insurance because they do not read the uploaded insurance.
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.

Account Name : XXXX XXXX Account Number:XXXX Account Name : DEPTEDXXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$810.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 13 of the attached credit report. This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I want to file this complaint with CAPITAL ONE. I sent them letters regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. 
I have also attached the FTC report with the report number XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account XXXX. It shows the reported balance as {$700.00} and the available credit as {$120.00}. It further shows the account was charged off. I do not have an account with this entity. I have asked the entity and Equifax multiple times for statements and original agreement providing validation and verification that this is my account. To date, I still have not received anything. It shows date of opening as XX/XX/XXXX, and date reported as XX/XX/XXXX and date of last payment as XX/XX/XXXX. It further shows Date first delinquency reported as XX/XX/XXXX. I do not have any business with this entity nor have I ever done business with them. I ask that this fraudulent account be removed from my report. I did receive a letter from a debt collector on this account, but when I asked for further information, I was informed by the debt collector XXXX XXXX that they were unable to find anything regarding this account under my information. Every time I inquire about this with Equifax, they send a letter stating they do not have a credit file under my name, but then they respond that they verified everything is accurate and they do not send any information showing what was used to verify it.
Product: Checking or savings account

My name is XXXX XXXX XXXX and I'm reporting FNB Pennsylvania for fraud. I deposited a check for {$2700.00} XX/XX/year>, been a non business day, my check was supposed to process and clear XX/XX/year> according to the bank policy. 

XX/XX/year> came and my check was cleared, I tried getting some money off my account and the bank wouldn't let me. I spoke with customer service and the manager of the XXXX branch the morning of the same day they told me my check would have to wait for 10 business days.

I waited and 10 business days was supposed to be due XX/XX/XXXX, XX/XX/XXXX I was at the branch and I was given a letter which I will be attaching to this complaint. My account was closed a day before my check actually " clear 's ''??? I got the check from a relative for an old debt, I called my relative and asked if his XXXX XXXX  maybe called the check back, they didn't because he actually authorised the check and sent it by billpay to me. 

FNB closed my account with my {$2700.00} in it till today without any reason other than my account was closed. I need justice as I'm living paycheck to paycheck and my rent has just been increased. The branch manager is XXXX XXXX and I spoke to her and she assured me I'd get access to my money after the 10 days hold, they lied to me and scammed me out of {$2700.00}. 

They did not give me my money, they also did not return the money to my relative. 

I am with another bank but I want justice to get my money back. I will be attaching the check and the letter I got from the bank here, thank you to everyone and anyone seeing this daylight fraud and robbery by FNB Pennsylvania XXXX branch. I advise anyone to not do any business with them ever again
Product: Student loan

2 Issues : My loan was for attending the University of XXXX from XX/XX/XXXX to XX/XX/XXXX. Approximately {$10000.00} per year was borrowed. It became clear to me about one year in that the XXXX was only concerned with taking my money, and had very little consideration for the quality of education it was offering. Classes were taught by local business folks with little or no experience as educators. Classes were often dismissed hours early. Everyone received an " A '' grade on every assignment, regardless of the quality of work submitted. In XX/XX/XXXX, I decided to suspend my " education '' because of the lack of value I was receiving -- I was already {$30000.00} in debt ; I did n't want to push it to {$40000.00}. 
Issue 2 : After I left XXXX, the real nightmare began. I was contacted soon after I left school to begin repaying my loans. I started to do so, but was having trouble making the payments they were demanding. I was told if I could n't make the payments, the servicer would garnish my wages at a XXXX % rate -- I thought this was a better way, because i would n't see the money, instead it would go straight to my balance. Not so. In XXXX year or more of garnishment, more than {$11000.00} was collected from me. NOT ONE CENT went to my loans or interest due ; instead, the servicer charged me penalties in exactly that amount, while at the same time reporting against my credit. My credit was ruined, and it remains ruined today. 
Now, after completing a " remedial '' program with FedLoan Servicing wherein I made 9 months worth of payments to get back to current status, FLS promised to remove the derogatory information from my credit. After completing the program, they refused to remove the derogatory information, and my credit is still ruined. 
I have no education, {$17000.00} in debt ( after working very hard to get to this point ), and a bottom-rung credit score.
Product: Debt collection

Portfolio Recovery Associates added a negative item to my credit report in XX/XX/XXXX. I called them and inquired as to what this debt was and how it came to be that it was assumed my debt. I then asked for them to verify that this debt was indeed my debt and to send my proof ( such as an application, with my signature on it, in it's original form ) proving that this debt belonged to me. Om XX/XX/XXXX what I received was a bunch of statements with nothing more on it than my name, address an account number a balance and dates from XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX? /This was not what I asked them for, nor was it proof that this was my debt. So i disputed through the Credit Reporting Agencies, They claimed also that they verified the debt, yet they also failed to answer my request for the method of validation. So in XX/XX/XXXX, almost a year from the time that this item was on my credit report and had brought my credit score down by 48 points, I requested the information again, this time asking for specific documents verifying that this debt was my debt, Once again I received a letter from them stating that " We have completed our investigation of your dispute concerning your account '' and inside the letter was the same exact information that was sent before, They haven't sent the application, because they don't have it and have never had it because I never completed an application with them, Furthermore, the Fair credit Reporting Act says that furnishers of information must " Provide complete and accurate information to the credit reporting agencies within 30 days of the dispute or the information must be deleted ''. Portfolio Recovery Associates has yet to do so after one year.They was reprimanded in XX/XX/XXXX by your Bureau and it seems that they are back to their old ways. I have been harmed by this reporting as it has cost me job opportunities as well as increased financial distress and I had no other option ( at this point ) than to seek assistance with this matter,
Product: Payday loan, title loan, or personal loan

The fees on this loan are extremely high and upon research I don't think this loan is legal in the state of Michigan.
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B necessitates the exclusion of any erroneous entries from my credit record. Can you review the documents, please? Some of the listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Debt collection

XX/XX/XXXX ( 3 mos ) {$920.00} XXXX XXXX XXXX ; I sent letters since XX/XX/XXXX since then no one respond to me. I told them that this should not a bill. When the neighbor called the ambulance when I had an XXXX XXXX, my girlfriend did not let them go with me because I got better. When they came, they got my name and social. And later they sent their bills. Not fair at all. I did not get into the Paramedics. Please remove that. Thank You!
Product: Credit card or prepaid card

I received an AMEX gift card worth {$30.00} thru XXXX as compensation for additional parking that I had to pay during my trip to XXXX XXXX in XX/XX/XXXX. 

Card # : XXXX XXXX XXXX Security Code : XXXX Expiry : XX/XX/XXXX No one told me about the fine print and that I will lose the amount via monthly {$3.00} fees after 6 months of issue It is written at the back of the card but I am XXXX and there is no way I could have easily read that. 

I recently tried to use it and that is when I realized that the entire money has been wiped out via monthly fees. I tried contacting Amex couple of times last year when I found that and also tried calling them again today at XXXX ( XX/XX/XXXX ) and they said that they can not issue a new card for the lost money.
Product: Credit card or prepaid card

I applied for the Amazon Prime credit card, so that me and my spouse ( same household ) would get the advertised 5 % back on Amazon purchases. I got two credit cards, and we are prime members. It turns out Amazon only wants to apply such promotion to the card thats associated to the prime membership owner, and not household members that get the membership through invitation. Their terms and conditions contradict that. As it states there that prime members who receive the membership through invitation would also be eligible. Amazon said it is what it is and wouldnt help resolve this. 
Terms and can be found here. 
https : //www.amazon.com/XXXX XXXX
Product: Mortgage

My mother recently passed away. She had a reverse mortgage with Carrington Mortgage company. 

I requested by e mail a request for the payout of the mortgage. Weeks later l received a payout response dated XX/XX/2023 described as being good through XX/XX/2023. ( payout 1 attached ) I have been communicating with XXXX XXXX, an employee who has been completely unhelpful. 

My brother XXXX paid the principal, interest and XXXX  total of {$72000.00} on XX/XX/2023. ( payment attached ) The payout had also listed charges for attorney cost and fees of {$570.00}, appraisal of {$420.00} and property inspection of {$40.00}. We did not pay those charges. I have closed out mortgages before and have never encountered such charges. XXXX informed me that the loan was in default and this resulted in attorney fees. We were never informed verbally or in writing of any impending default. There has been no appraisal or inspection of the property and I see no legitimate reason for these. XXXX informed me that these items were in my parents agreement. I have requested a copy of my parents agreement/contract and received none. I requested a copy of the attorney work product responsible for the {$570.00} charge and received none. 

A second payout document was sent to me dated XX/XX/2023 ( payout XXXX ) and described as being good through XX/XX/2023. The principal, interest and XXXX  were different on that document without explanation. The appraisal fee was increased from {$420.00} to {$870.00} and a new fee for title cost appeared for {$290.00}. There has been no appraisal or property inspection. The total payout increased from {$73000.00} to {$75000.00} despite the fact that Carrington had been paid {$72000.00} on XX/XX/2023. 

I was informed my complaints would be sent to their complaint department and have received no response. 
On XX/XX/2023, we received the {$72000.00} wired back by Carrington Mortgages. ( attached return of payment ) This was total payment of principal, interest and XXXX  that we had a right to pay. It was paid to Carrington on XX/XX/2023. 

On XX/XX/XXXX, I requested an updated payoff document. Today I have again requested a payoff document and received XXXX later in the day. ( payout XXXX attached ) The new payout document fraudulently added thousands dollars in increased principal, interest, attorney costs, appraisal costs for an appraisal that was never done and inspection costs for an inspection that was never done. They refuse to respond to my legitimate questions. They never sent notification of any impending default. They refuse to send me a copy of my parents contract. They refuse to tell me who the lawyer is making these ridiculous charges. No doubt, they are engaged in these types of activities with many grieving families throughout the nation. 

This company engages in unlawful and fraudulent charges to my family after the death of our mother.
Product: Debt collection

I have paid my credit card debt that went to collections for JCPenny. They continue to 'sell my account ' to several debt collectors around the United States . I get a call in my cell phone every month threatening to serve me wth court papers at my place of work or as one guy said 'I better have my Supervisor available when he shows up to sign off on his papers ' ~like what is that supposed to mean? Am I not an adult? And I am the supervisor at my place of work, what would this gentleman have done if he 'd actually shown up? Every time I call these debt collectors back I have to explain that the debt is already paid in full and have to provide them with the letter that says so. It is a complete waste of my time, I 'm sure they scam quite a few people into actually paying making them think they owe them money again.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance Owed : {$1400.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> PayPal Requested a copy of my Credit Report to open an account & was done w/o my permission & consent. I asked them to remove the Hard Inquiry because it was Fraudulently obtained with a Fraud Alert on my Report stating not to release my Credit Report w/o my consent or permission, but they did it anyway & w/o my consent & permission & cant get them to remove the Hard Inquiry because the Company want report it as fraudulent even tho they already stated a prior request was fraudulently obtained. All I want is the Hard Inquiry removed that I never requested to be done & was obtained w/o my permission or consent & this has been going on over 9 months & had no problem w/the companies removing any other inquiries because they determined it was obtained Fraudulently & Without my knowledge. Please help me get this Hard Inquiry removed because its messing up my credit & my score preventing me from obtaining a home loan & credit line increases on credit cards I actually obtained a few years ago! Please help me get this Hard Inquiry removed, so I can get my credit straight! Thank You So Much for any & all of your help! I only want my Hard Inquiry removed!
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following are inaccurate : Inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX Account Number : XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$910.00} Account Name : XXXX Account Number : XXXX Balance : {$5600.00}
Product: Debt collection

Looking to repair credit and saw this dept collector on my report. I'm not sure as to what it is for or if it is even mine. I would like to receive a copy of the original contract, signatures, proof that you have the right to collect in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped over XXXX points for no reason as I have no late payments I have no derogatory remarks other than a disputed medical bill that is on there and I recently paid off my car which is still showing on their and they will not give me a reasonable explanation as to why or fix the problem
Product: Checking or savings account

I contacted them because I had a check on hold and yet again they have a hold for more then 5 days. Knowing we are going through a pandemic they normally send me a notification when Im overdraft and that to deposit to cover funds which I had available in my other account and they talked about how I have been over draft 17 times they only helped with 1 overdraft and didnt acknowledge in helping but saying they can help file a complaint.
Product: Debt collection

This FAIR COLLECTION & O that has a balance of {$0.00} opened date XX/XX/ is not belong to me. I don't have an idea why I got this collection. THIS IS A FRAUD! I believe that someone used my identity to open this account. I am not the one who is responsible for this collection. It is not fair! I already filed an FTC affidavit. Please find attachment. Thank you