23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX  and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit card

this complaint is based on ads by National Debt Relief ( " NDR '' ) and XXXX XXXX XXXX ( XXXX XXXX  '' ). In XXXX, XXXX, I was once again diagnosed with XXXX and got behind on my monthly bills due to prescriptions, medical bills, XXXX, etc and enrolled with NDR to pay off my creditors. I was promised they would negotiate the bills 50 % of the amount owed and that they would IMMEDIATELY contact my creditors. This was not done and most of the negotiations were 40 %. After receiving constant phone calls and mail from creditors, I CONTACTED THEM MY SELF and informed them I wanted to be honest and pay them off, but didn't have the $ $ to do so. I gave them NDR 's phone number and case number. Unfortunately, that was not enough. In XXXX, XXXX, I was served ( personally ) with an Order to Show cause by XXXX XXXX  ( XXXX XXXX. I immediately contacted NDR and was told they would immediately " get on it ''. I asked for a copy of the Response they would be filing, however, to this date, despite NUMEROUS requests, I received NOTHING. In XXXX, XXXX, I received an email congratulating me on my graduation from the program and showing a XXXX balance to all creditors. However, this was not the end, they turned the balance they claim I owe to XXXX XXXX XXXX. I had received emails from XXXX in the past, HOWEVER, I NEVER signed a contract or activated my account with them as I was waiting for a contract setting forth the balance they claim I owed, the APR, the terms of service, the monthly payments, etc. I NEVER RECEIVED SUCH so I ignored their emails to activate my account! On XX/XX/XXXX, I checked my balance at XXXX and was shocked to see XXXX debited my account for {$260.00}. I NEVER AUTHORIZED THEM TO DEBIT MY ACCOUNT FOR ANY FUNDS and, in fact, NEVER signed a contract with them. I have since stopped any further debits from NDR and XXXX and on XX/XX/XXXX, I contacted NDR and informed XXXX XXXX of such blocking. THIS IS UNETHICAL AND FRAUD ON THE PART OF REACH FINANCIAL SERVICES.
Product: Vehicle loan or lease

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

Exeter Finance has violated my rights.

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. ( a5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 
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 or other personal consumer reports

I applied for a loan on XX/XX/XXXX was denied because they claimed I have a freeze on my experian report, I dont have a any freeze. I called experian spoke with a rep, she told me I did not have a freeze and transfered me to fraud unit. Fraud unit verified I didnt have a freeze. Today XX/XX/XXXX I reapplied for the loan and was told I had a freeze on experian?? I'm so frustrated. I DO NOT have a freeze
Product: Vehicle loan or lease

I financed a vehicle through Santander Consumer for. XXXX  XXXX XXXX. 
I feel like I was targeted both as single female and by predatory lending and intentionally misleading and deceptive lending practices. 
My vehicle was repossessed. Throughout the entire loan timeframe I didnt receive any statements, terms or conditions, And nothing stating terms of my loans outside of initial contract inside the dealer office. There was no correspondence giving me info reguarding late fees and how my payment was allocated including interest and principal balance. I did however receive several marketing letters trying to upsale me and offer me warranties.upon trys to access my online account I was unable to and troubleshooting with the companies tech support was not alleviating the problem either. I was never able to login and access my account on the companies online site not once. Tech support informed me that there was little they could do. 
I consulted with a different financer today and I was warned about and was cautioned against using Santander. That they have a reputation for deception and intentional misleading business practices.Iam a former XXXX XXXX XXXX XXXX  and a current XXXX XXXX XXXX XXXX XXXX. Iam on the XXXX  during this pandemic and my schedule is less then ideal, so I depend on emails text messages. I require statements which I never received. Upon calling the company today to my great surprise the address on file was an address I do not reside at and never provided. I attempted to resolve this, and to say they were unwilling to work with me is an understatement. The representative stated that a few correspondences were sent but she failed to provide an address and dates or what the mystery correspondences even pertained to. I was transferred to an unamed department which turned out to be a debt collector. I dont even know if my loan was sold. I was given no other option then to pay the loan in its entirety in order to get the vehicle back, which is absolutely not what I am able to do. I accept the responsibility of defaulting on my loan. But they need to accept responsibility of their negligence. As per of the FCRA isnt fair and accurate credit reporting supposed to be fair? And how can they justify taking the only method of transportation away from someone who puts their life on the line for this community justified without any attempt to solve this. I feel taken advantage of. I feel I have been deceived, but more then anything else I am disappointed that businesses like this if allowed to go unchecked could do this to someone else. To add insult to injury, my son is severely XXXX  this vehicle is his XXXX identity, his id for first responders in case of emergency. It is our only way to alert of my non verbal son needing special assistance. And I dont know if Ill ever be able to get that back, it is our life line. I look how to hearing from you. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Experian- I have been trying to dispute a line of credit under XXXX XXXX that is showing on my credit reporting. I am being shown as an authorized user on a line of credit labeled XXXX. After calling XXXX XXXX I was told the account is not linked to my name, social, email, or phone number but yet is still showing on my credit reporting and lowering my credit score significantly as the account is delinquent by over {$6000.00}. I can see that the account was opened in XXXX it but didn't start showing on my credit report until XXXX. I have since tried to dispute the account a few times with XXXX and with Experian. Both have come back saying information is correct and to remove the account I would need to contact XXXX XXXX  XXXX 

XXXX XXXX XXXX XX/XX/XXXX I spent an evening and multiple phone calls back and forth with XXXX and XXXX credit department trying to remove the account. Multiple people looked into account but can not find anything linking me to the account that is showing on my credit reporting. They told me they could not do anything and that I would need to go to the credit bureaus to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient reported incorrect loan amount on my credit report. I contact the about the loan and disbursement amount and I need received the amount they reported on my credit. On XXXX XXXX, 2017 Navient report Two separate loans in the amount of {$XXXX} and {$XXXX}. This is false and illegal.
Product: Mortgage

We purchased our home in 2017 with XXXX XXXX XXXX .We were never notifies that our home had been sold to a debt collector. Our home was in good standing and we weren't behind on any payments .We would like some information from Shellpoint Newrez of our signature indicating that we signed a promissory note with them as well as us signing a contract with them .Our payment with XXXX  was {$1500.00} and now since being with Shellpoint our payment is now XXXX we were never notified of any of this .We do know that we are protected under Fair Debt Collection Protection Act .Please Assist us with this thank you kindly .They also are charging us for Hazard insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching or filing a LETTER OF INTENT TO SUE EQUIFAX FOR VIOLATING MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. KINDLY SEE FILE ATTACHED
Product: Student loan

NAVIENT has been my loan servicer for close to or over 20 years. I have been under XXXX all this time. I have always supplied my repayment plan paperwork along with the REQUESTED INCOME DOCUMENTATION. Navient as well as the other servicers request that since I am married, file taxes jointly with my spouse and spouse also has student loans, I AM REQUIRED TO SEND IN MY XXXX. THIS HAS BEEN DONE YEAR AFTER YEAR. 


XX/XX/XXXX I was due to recert of XXXX plan. 

Filled out the same form with joint XXXX to ALL my servicing lenders ( NAVIENT, XXXX and XXXX ). Navient calculated {$79.00} per month while the others were {$0.00}. 

I called them in XX/XX/XXXX to inquire about this issue of why they did not give me the same IDR as they other XXXX lenders. They told me to upload the correct documents and a new form and Navient would recalculate the monthly payment. This was uploaded XX/XX/XXXX. I went back into the Navient systems and entered my secured inbox and noticed that my uploaded form and supporting documents were deleted. So on I called the customer service number XX/XX/XXXX and received a lady who was working from home and did not have the ability to pull or inquire about the documents uploaded into the Navient system,. 

This representative issued a temporary forbearance so that I could resubmit the XXXX form and the joint XXXX documents so that NAVIENT could ONCE AGAIN RECALCULATE my payment. This was done AGAIN, this time I took screen shots of the successful document upload along with documents waiting to be pulled. 

XX/XX/XXXX I entered the NAVIENT system AGAIN and saw that the forms WERE NOT PROCESSED AGAIN. I called the customer service number and spoke to XXXX. She told me that I needed to supply MY MONTHLY INCOME and NOT THE XXXX JOINT FILING AND THEY WOULD THEN RECALCULATE MY AMOUNT! I uploaded my SSA award letter stating my monthly amount of {$990.00} income along with the form ONCE AGAIN, took screen shots again. Later in the day on XX/XX/XXXX I received a communication from NAVIENT stating " WE'RE UNABLE TO PROCESS YOUR INCOME BASED REPAYMENT PLAN RECERTIFICATION AT THIS TIME. '' I also received a letter from XXXX who is the authorized agent for NAVIENT stating that I am over 60 days delinquent. I am not delinquent, I am upholding my financial agreement with supplying them with my forms and supporting documents. NAVIENT is and has had multiple law suits and issues with posting payments and processing paperwork for their clients.
Product: Checking or savings account

Navy Federal Credit Union ( NFCU ) recently partnered with a non-affiliated vendor, XXXX XXXX XXXX XXXX ( XXXX ), to provide NFCU members with access to their credit score under a program branded as " Mission : Credit Confidence. '' I am a member of NFCU and was subscribed to the new program without my consent. The terms of the program require NFCU members to consent to the collection and sharing of personal information, such as social security numbers, income and financial information, marital status, etc., for use by XXXX 's and its advertising partners ( among others ). The main feature of the program seems to be sending unsolicited emails to the private email accounts of NFCU members advising them of changes to their credit score. A direct hyperlink to the program also appears as a click-thru banner on member secure account summary web pages and in NFCU 's mobile app. At program inception, and on divers occasions thereafter, I repeatedly communicated to NFCU my desire not to participate in this program. In a further effort to provide resolution, I was recently instructed by NFCU to enter the Mission : Credit Confidence program dashboard via my secure NFCU account and dis-enroll from the program. This is conclusive evidence that NFCU subscribed me to the program without my consent and may have breached its internal privacy policy by sharing my personal information with a non-Affiliate without my consent.
Product: Checking or savings account

TD bank has not sent me the agreement and statements of my checking account. Tonight one of the agent on phone said, " we stop sending mails because the post office said it was not deliverable. " And an agent acknowledged that I had no internet account with them. They changed my checking status without my knowledge. They said it was done over the phone. But I had no knowledge of it. It is called XXXX. If there were not sufficient fund, the bank will advance with the fees of XXXX dollars for each transaction. I do not link my saving and checking. Recently, I was fined 5 {$35.00} ( total of {$170.00} in 2 days. ) overdraft charge. They say I can dispute with a bakery which I purchased {$7.00}. I asked the bank, " why do I need you to pay {$7.00} with the bank charge of {$35.00}. I could have used my credit card? ". I received 2 courtesy refunds from 2 different agents as of tonight XX/XX/XXXX. However, 3 more overdraft charge were pending. 1 ) I agreeded to pay one time overdraft charge of {$35.00} : 2 ) I asked to stop XXXX program on my checking account. 3 ) I asked why the bank make decisions of not sending the statements according to the post office, not asking me when I visited at the bank. I found these even fraudulent because mails from other banking institutions reach me. To change the status of checking account without customer knowledge is unaccessible.
Product: Checking or savings account

Between   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     I was charged {$390.00} in overdraft fees. I contacted customer service and asked for leniency. I was waiting for a check that was several days late causing my account to overdraw. In addition some of the overdrafts were for {$10.00}. I was charged {$36.00} for an overdraft of {$10.00}.   I truly believe its predatory to charge someone {$36.00} when they over draw by {$10.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, Paypal permanently limited my account due to them saying that I did not follow their " user agreement '' but they did not provide me with any information of the breach. As a result, they notified me that my funds ( {$1200.00} ) was to remain on hold for 180 days per their " user agreement ''. While I was patiently waiting for my funds to be released, on XX/XX/XXXX ( 12 days before the 180 days ) they debited the {$1200.00} from my account and labeled it as " paypal 's damages caused by Acceptable Use Policy Violation ''. I then kept emailing paypal for answers and was left ignored or just received an automatic response. Then a month later, on XX/XX/2020, Paypal credited my account for the {$1200.00} and stated that the amount was debited in error. I continued emailing paypal over and over to see when they will release my funds and kept receiving an automatic response that it will be on hold for 180 days per their user agreement ; but I already waiting over the 180 days and Paypal clearly doesn't follow their own user agreement. There is nothing in their User agreement that states that Paypal is able to hold for more than 180 days or permanently. Due to my account being permanently limited, I am unable to receive any help on this and my messages are not being responded to. I have pictures proving this timeline and all the messages I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of Estoppel by Silence, Engelhardt v. Garavans ( Mo281 SW715, 719 ), I presume that no proof of the alleged debt, therefore any such debt, in fact exists. 


I never authorized this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel as if Im being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me.
Product: Mortgage

I had a payment due for XXXX. At this time I had already been in the process of refinancing my home to pay this loan off in full. XXXX XXXX  was my servicer. I have requested payoff information, but they are taking over a week just to get a payoff delaying my refinancing over and over. Every time I call they will say that they have sent what I need, but it is untrue and provable that it isn't true because the information would show up on the online account if it had been generated.The payment I made for my XXXX payment was suspended because I made it at the end of XXXX. XXXX didn't pull the payment from my account until XXXX. The transfer took place on XXXX to SPS and the balloon payment with XXXX is due at that time. The XXXX payment did not get transferred to sps until XX/XX/15 after the XXXX transfer date. Therefore, they are holding it in pending payments and that is preventing me from closing the refinance I have in place. They are forcing me into default. I just want them to apply the payment they already have that has cleared my account. This way I can move forward with my conventional refinance and pay the loan off in full. At first, I thought the transfer happened so they could give SPS the opportunity to refinance the loan, then I was told by SPS that SPS doesn't even do refinances. So, why would they transfer my loan at it's maturity date and cause these issues? It seems like XXXX bank and sps are in the business of trying to take people 's homes.
Product: Debt collection

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2  months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within XXXX  days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Product: Money transfer, virtual currency, or money service

I was scammed by someone, XXXX transferred XXXX to him on XX/XX/XXXX, the bank could not give me a refund
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX  XXXX with lots of inquiries. This has cause me great anxiety, stress, and financial hardship.
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. 

List of Unauthorized Inquiries : 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 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: Debt collection

As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this XXXX XXXX XXXX a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.