23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

debt was XXXX county since XX/XX/XXXX and XX/XX/XXXX Judgment were filed in XX/XX/XXXX and XX/XX/XXXX and never renewed In AZ judgments need to be renewed in 5 years
Product: Credit card

Capital One sent us checks to be used at 0 % interest for twelve months. NEVER did they say a 3 % fee would be added on to the amount for the written check. I used a check in the amount of $ XXXX and they charged me 3 % of that check upfront. It never indicated a fee and yet Capital One said it was in the fine print. Capital One is a thief and we shall see what you are going to do about it.
Product: Student loan

My loans were moved to MOHELA as part of the XXXX XXXX program. I do not want to default again but when I log into MOHELA, it shows that I have XXXX balance even though studentaid.gov still lists my student loan debt at over XXXX. 

If I can't pay in XXXX, I'm going to be punished for MOHELA 's inability to process my loan information.
Product: Student loan

For years I 've have had multiple issues with the loans now being serviced by American Education Services. Initially, the loans were taken out by my mother but she used my personal information and forged my my signature. I did not find out about the loans until after I graduated in XX/XX/XXXX. Since then I have made over {$13000.00} in payments to different service companies, only to see my outstanding balance increase by {$14000.00}. In the past, they have told me the interest and late fees has accrued so much that any payments I 've made get applied there only.
Just recently, I completed my XXXX XXXX  program and the loans came off deferment. I have made {$2700.00} in payments since XX/XX/XXXX all of which were applied to interest and fees. I called and tried to make payments in the past, but they told me they could not accept my routing number and required I mail checks and then charged me a late fee. 

My husband is not receiving a paycheck now and the burden of these, combined with the misinformation and shark lending practices makes me feel as if I 'll never be able to get from out of debt. To have paid as much money as I have paid over the years only to have the balance greater than when I first found out about loans that were n't even signed by me has called significant stress. However, when I have inquired about the fact that I never signed for these loans I was told the only way to resolve the issue was to prosecute.
Product: Credit reporting or other personal consumer reports

I have an issue with Prosper Credit Cards. They reported a 30 day late payment when in fact it was paid. I have the receipts proving that although I was about 20 days late the card was paid before the 30 days required for reporting. Mainly due to the effects of hurricane Helene, where I lost connectivity for several days due to my house being hit by a tree.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection/charge off in the amount of {$2600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full years ago and should not be reporting on my credit report. This incorrect reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and my information has been used to obtain serves several times in the past without my knowledge. These three accounts were already been addresses with years ago as identity theft but now a new company has put them on my credit they are not mine. The accounts are : 1. XXXX XXXX Account # XXXX  ( Amount {$1000.00} ) 2. XXXX XXXX Account # XXXX  ( Amount {$970.00} ) 3. XXXX XXXX Account # XXXX ( Amount {$970.00} )
Product: Credit card

Fraud activity ( unauthorized credit card opened under my name ) occurred XX/XX/XXXX. I have provided the following information to target : Filed an Identify Fraud Report ; Filed a police report ; Sent them a picture of my driver 's license ( person opened using my personal information but an inaccurate driver 's license number ) ; attached texts that show that I was not at the store when card was opened. Target is denying my dispute that a fraud has occurred saying that I need to provide supporting documentation and not being specific what additional documentation is needed. I am not sure what more I can do. Appeal process is taking too long. Target credit card is not contacting me the consumer to resolve this. I have been calling them 2-3 times a week for over 3 months now. They first sent my original fraud claim to wrong department ( dispute ), then they denied the second claim asking for more documentation though not specific what they need. Latest review is also denied. No one on phone can tell me why and don't know why target can not piece the parts together. While this is going on, my credit card rating has slipped XXXX points as my fraud account is delinquent. I would like to know my rights as a consumer as their level of service is poor. I would like to know how I can rectify this and if my excellent credit rating can be restored. I was XXXX and now I am XXXX as I have not paid this bill and it is over 30 days late. Please help! On a side note, I already have a target credit card since XXXX, so I've been a loyal customer for over 20 years. I plan to close my target card after this is resolved because I do not want to be associated with the target fraud department again
Product: Debt collection

The company, Absolute Resolutions Investments , LLC, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002, I am a natural person which means the name they are referring to in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/year> Congress enacted HJR 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and therefore subject to proper regulation obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy, and ... Every obligation herefore or hereafter incurred, shall be discharged upon payment, dollar of dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Vehicle loan or lease

My car was stolen in 2021 and I was paying for XXXX  insurance the whole time. When my car was finally found it was completely set on fire and unrecognizable. Upon explaining this to XXXX XXXX they still were adamant that they needed the car to be appraised to pay out the amount in XXXX insurance. Upon explaining to them that its absolutely impossible to get the car appraised, they still refused to take any action at all to pay out the amount or assist with next steps. Instead, they expected me to continue to pay off the car loan to them with absolutely XXXX assistance and reported it to my credit as well.
Product: Prepaid card

On XX/XX/XXXX, I used this card to pay {$21.00} at a restaurant and left a 15 % tip. However, a few days later, they charged me {$15.00} as a tip instead. 

I filed a dispute on XX/XX/XXXX at vanillagift.com under XXXX XXXX XXXX. On XX/XX/XXXX, I received their reply, but they did nothing to resolve the case. Its truly disappointing. 

Below is their reply : After reviewing your account, we have verified that your card was present during the time of the purchase ( s ). Under the Network Regulations, we do not have recovery rights to file a claim.

Your dispute is no longer under review. With the denial of this dispute, we consider this matter closed.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car from Hyundai in XXXX, NJ in XX/XX/XXXX. When it was time to turn in the lease in XX/XX/XXXX I decided to purchase the vehicle. I went to the dealership and took out a loan on XX/XX/XXXX with Hyundai to buy out the vehicle. I got a loan through XXXX  auto finance to purchase the vehicle. A few weeks later I started getting calls, texts and letter in the mail saying I have a past due balance of {$1100.00}. I called the dealership and they assured me I have no past due balance since I bought the car. The account is now showing 60 days late on my credit report and dropped my score almost 100 pts. I have talked the creditors every time they call and have explained to them, I have sent them email copies of the purchase contract and yet this has not yet been corrected.
Product: Checking or savings account

I deposited a government issued check on XX/XX/year>. I received a notification from Capital One Bank that my deposit has been placed on hold. 

I called Capital One Bank to inform them that the check was issued my a government agency and according to Federal Code of Regulations Subpart BAvailability of Funds and Disclosure of Funds Availability Policies XXXX Next-day availability. 

My deposit should be available on XX/XX/year>. The representative ( Phoboe ) informed that her supervisor stated that my check will have to stay on hold because Capital One Bank internal policy supersedes federal regulation.
Product: Debt collection

LVNV funding LLC {$450.00} My information was exposed in several data breaches, was victim of identity theft, and several accounts were opened with unauthorized, fraudulent use.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. state have the rights to privacy. account : OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction. 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 items of information other then records of conviction of crimes which antedates the reports more then 7 years. 15 U.S.C 1681s-2 ( a ) ( 5 ) 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

The recent Equifax security breach has put myself and millions of others at risk. Their negligence has cost me time, security, money, and peace of mind. Not even freezing my credit is enough to protect me. This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

In addition, very little was done to notify the public for nearly a month after the breach. No email, letter, or phone call was sent out and instead I found out about it via social media. Equifax handled reporting this breach very unprofessionally.
Product: Debt collection

I have a court order that absolves me of responsibility on a Us Bank acct opened in 2008 because of fraud. XXXX XXXX XXXX has been harassing me, and people who know me, about this debt. They havent provided anything in writing and make false claims, such as : theyve checked my credit, this is a filed judgement and I better not miss my court date.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$25000.00} XXXXXXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am Filing this complaint against Experian and XXXX XXXX XXXX XXXX for discriminatory banking practices in regards to their products and services denying small XXXX  loans and XXXX loans since the pandemic. Because I am a XXXX owned small business I received deceptive practicing since my initial complaint to the CFPB in XX/XX/year>2022. I would like to challenge and dispute everything negative or derogatory on my credit profile. First 15 U.S.C.XXXXi ( a ) XXXX, 15 U.S.C XXXX XXXX ( a ) ( 6 ) XXXX and 15 U.S.C.XXXXi ( a ) XXXX ( B ) identity theft has not benefited my personal or business XXXX score.
Product: Mortgage

I purchased my House in XXXX XXXX with an FHA Loan, I started making my payments of {$1600.00} and everything was going well till I got a letter from Caliber Home Loans last month saying that we have a Shortage in the Escrow Account of {$3800.00} and that our payment is going up to {$2000.00} by XXXX XXXX, XXXX due to this Shortage. The problem with this Shortage is that they are trying to include in the Escrow Account, not only Taxes and Insurance which is the normal, but also Mortgage Insurance when that was never Disclosed at closing, nor was it disclosed in the HUD-1 at closing or any where in the Documents we signed. I have talked to the Mortgage Broker we had the Closing with, I have talked to different Mortgage Professionals and they have looked at all the closing Documentation and tell me that has to be a mistake because the Mortgage Insurance is a Premium that was added to the Loan Amount and even though we have to make monthly payments on it they are not to be included in the Escrow Account and they do not need to have reserves for that, this is not an FHA Policy and this Lender wants to do it because they want to. 
I tried talking to the Escrow Department at Caliber Home Loans a few times and they say it is right there at the HUD-1 and we signed for it, but that is not true, when you look at the HUD-1 it says that Taxes and Insurance are to go in the Escrow Account not Mortgage Insurance. 
We really need to have this resolved, we can not afford that monthly payment and that is going to result in us losing the House. Please help!!
Product: Mortgage

I had many problem free years with my mortgage through XXXX until recently they were acquired by Newrez and my mortgage servicing was transferred to Newrez. Since then, I have been unable to access basic account information, statements, etc. online and the company has been unresponsive in attempts to resolve. 

But the complaint relates to erroneous, predatory, lender placed insurance that recently appeared on my account. At the beginning of XXXX, I noticed that {$2000.00} had been debited from my account as part of the automatic monthly payment that I have set up, whereas my monthly payment for my mortgage had always been {$1700.00}. I called the company on XX/XX/XXXX seeking an explanation and correction. They claimed to have sent me communication by snail mail informing me that without proof of insurance they would put lender placed insurance on my loan. I never received this communication and they admitted they never attempted to contact me at the email address or phone number that they have on file. I explained to them that I am not a homeowner, but a shareholder in a cooperative, that the hazard insurance lives with the co-op, and that my requirement is to insure that which is inside the walls, which is a modest policy that a ) I have maintained active and b ) costs less than {$300.00} a year due to the limited protection required. Of course, the cooperative has actively maintained all required hazard insurance, etc. as well. I was assured someone from the insurance department would reach out to me to confirm the active policies within XXXX days, which never happened. 

I have since called multiple times to try and resolve, most recently on XX/XX/XXXX, and every time I call they have no record of any of my prior conversations or attempts to remedy the issue. I have sent proof of my own policy covering the interior of the apartment as well as the policy maintained by the coop and have received no response. They claim to have attempted to verify insurance but no one -- not at the coop or any of the insurance providers has any record of correspondence from the lender. 

If you search reviews of the lender, it's clear that this is a common predatory practice. That they don't make a good faith effort before forcing ridiculously priced insurance on already covered homeowners is not a coincidence, but an intentional business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and these Are the inquiries that occurred from the theft XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXE XX/XX/XXXX XXXX & XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Logged in to place a temporary thaw earlier in XX/XX/year>- this had no issue, nor any previous time logging in to temporarily thaw my credit. 

On XX/XX/year> I logged in and was shown that my account was suspended and I had to contact them through social media or a phone number. 

The phone number went to an off-shore call center where they asked for the entirety of my personal information including last XXXX of social and birthdate, and then they were able to remove the account suspension but could not give a clear reason for why my account was suspended. 

This seems like a major issue as not everyone will have luck contacting a company through XXXX formerly XXXX, and it doesn't really make sense for us to need to give some random, untraceable off-shore call center employee all of our sensitive personal data, just to reverse an arbitrary, undefined, unclear account suspension, in order to unfreeze credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

All hard inquiries on my credit report are being reported in violation of the FCRA. Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Product: Student loan

I am the cosigner for my daughter 's loan. Here are my issues : 1. In XX/XX/XXXX, I discovered on my credit report that she was behind on her payments. Navient never contacted me. I have been making monthly payments since then. 2. Every month with my payment I request relief, eg lower interest, forgiveness, etc. they always reply in the negative. 3. Between XXXX and XX/XX/XXXX through borrowing from family and tightening my belt, I was able to make a number of payments that totaled {$2600.00}, but almost all was applied to interest, not principal. 
4. On XX/XX/XXXX and XX/XX/XXXX I sent them checks, but neither one has been cashed. I think this is yet another way to get additional interest. I am wondering if other people are having problems with Navient cashing their checks on time. They have been slow cashing checks on other occasions, but not this long. 
5. When I talk to their representatives about any of these issue they are not helpful. I have also asked about the lawsuits against them to see if any would apply to her loans, especially since we lived in XXXX when she borrowed and I cosigned, and I have also asked if her military XXXX would qualify her for any assistance or relief. 
I am retired.
Product: Vehicle loan or lease

I discovered on XX/XX/XXXX that my credit report had been updated with a 27 point drop due to Honda Financial Services removing themselves from my credit report ( also news to me ), as I have an open account in excellent standings with a balance that is paid on monthly. 
I called Honda Fin. Serv. on XX/XX/XXXX and was told that the trade line was removed from my credit due to new federal credit reporting guidelines. That I had 1 late payment in XXXX and utilized the option to defer 1 payment in XXXX, therefor resulting in the above actions to be taken. 
I was told for the remainder of my payments Honda will not be reporting to credit bureaus. 
I received no communication about this prior to it happening. I am upset that my future payments will not be part of my loans/payments that keep more credit score in excellent shape.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACOUNT SHOWED UNDER MY XXXX AND EQUIFAX CREDIT REPORTS. I HAD AND STILL HAVE MEDICAL INSURANCE. I NEVER RECEIVED A BILL AND IT WAS SENT TO COLLECTIONS. NEEDS TO BE REMOVED. THIS IS NOT MY DEBT. I TRIED CALLING THE COMPANY AND NO ANSWER.