23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

GM Financial is reporting that we were late on our vehicle loan, when we no longer owned the vehicle. We traded our XXXX GMC Acadia into XXXX XXXX XXXX on XXXX XXXX, 2015. GM Financial reported that we were 30 days late on this vehicle on XXXX XXXX, 2015, 25 days after we traded the automobile into the dealership. They claimed that they never received the first check, so the dealership overnighted them one on XXXX XXXX. I called to verify that a payoff was sent to GM Financial and the dealership claimed one was sent out on XXXX XXXX, 2015. I asked that all copies of the check be sent to me and I would contact the finance company back. I did and they still do not want to listen and correct the reporting. The check was sent to them, but they did not apply it to the account, instead disposed of the check as to retain all the refund money up in late fees.
Product: Mortgage

I am refinancing my home and have mortgage insurance. My current mortgage provider is Seterus Inc. Loan number : XXXX. I have requested a copy of my current mortgage insurance certification. I have personally called 8 times and have spent about 6 hours on the phone only to be put on hold, transferred and then never provided what I am requesting. This is holding up my refinance and rates are going up. I would like a copy of my current mortgage insurance sent to me directly XXXXXXXXXXXX or fax to me XXXX XXXX asap. I also file a complaint a month ago with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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
Product: Debt collection

I explained to advanced America do that I experienced check fraud and they told me that they have to proceed with allowing the check to bounce. At that point they decided that they would say 30 days to allow the debt to going to delinquent status and then I can make payment arrangements. At that point they continuously called my job as XXXX told them for multiple occasions to stop calling my job I am not allowed received a collection calls at work in particular this phone number. This was back in XXXX XXXX after they do calls 4 to 5 times I 'm most locations when I told Them to stop now here it is XXXX XXXX in the same office is calling my job they 're calling my cell phone they 're calling consistently trying to say that is imperative that they speak with me you 're not identify who they are what they represent however I did a reverse phone lookup and it 's a XXXX XXXX and XXXX Virginia or XXXX XXXX. The callers name is XXXX at XXXX
Product: Checking or savings account

There was an atm deposit error. A check that was made for {$1000.00} was read by the atm as {$7000.00}. Then the bank debited my account {$6000.00} to correct the error. Then after debiting the funds, they put a hold on my account for the whole {$7000.00} therefore making my account negative and giving me no access to any of my money I had previously before this transaction. When I called the bank and asked why they put a hold on funds they already debited from my account they said it would take a week before I had access to any of my funds in my account therefore any bills coming out of my account will be returned and I will be getting charged which I believe is absolutely appalling since I had funds in my account prior to this transaction. They offered no explanation or assistance to resolve the issue quicker than a week.
Product: Credit card or prepaid card

I was charged {$19.00}, on XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/2021 by XXXX for {$19.00} for a XXXX Service on Cell Phones I didn't own anymore. Unknown to me when I paid for the service originally they set me up on a yearly automatic payment plan. I buy a new cell phone every year and would NEVER knowingly sign up for recurring, yearly payments. I filed for a dispute with Capital One but they don't seem to understand or just deny me so they don't have to refund my {$19.00} x XXXX. I NEVER knowingly paid {$19.00} for services on a Phone I DID NOT OWN. I want my money back but Capital One is being stubborn for whatever reason. Please help!
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX I called to find out payoff. I was told that I could not pay off the loan until the end of 4 years. Which would be XXXX. I requested online access they stated they do not do that nor do they give balance over the phone or online. I could not make extra payments to pay towards principal too. If I chose to request prepayment that basically I would owe the principal balance of the loan plus all interest payments due to the end of the 84 month term! They sent me an amortization schedule by email. In reviewing the amortization schedule for a loan that was $ XXXX It shows that I will pay them $ XXXX in 84 months. 

When you call it is hard to get an actual person on the phone. When I first took the loan it was very pushy, the filled in the information, I explained I was using funds to consolidate credit debt. The person I was speaking with said it was a business loan. I explained that I didn't have a business necessarily and they said it was ok. To just say I did when asked on the recording because I could use the loan for whatever I like. It was not clearly explained that I would have to pay in full $ XXXX for a $ XXXX loan and no option to pay off earlier without requesting prepayment. The interest rate is high and the monthly payment is high and I am in a position where I would like to reorganize the funds to have a lower payment and lower interest rate. 

They will do that if I pay all the principal and interest and roll everything into one loan which is even more. 

I feel trapped and like I was mislead and that the firm used predatory lending practices to secure the loan and preyed upon my desperate need at the time making assurances that were not true. 

They filled out the docs and sent them for docusign. I questioned a few things and was told not to worry about them just sign the documents. 

After the first loan, I had a phone call 6 mos later, during covid where they checked my credit report and urged me to take a second consolidation loan to " lock in the interest rate '' because they were going to go way up and they would offer me a lower rate. 

In desperation and much coaxing I agreed. After reviewing the loan amortization schedule it shows 18 %! With a 4 year lock in period and is the same type as the first loan. 

I have called to negotiate only to be told I would have to pay huge amounts of money back to them when I have already paid them huge amounts. 

I took out a $ XXXX loan and paid $ XXXX of that loan already! At the end of the 4 Years, I will still owe them another $ XXXX and interest through the end of the term. 

They do not negotiate. I feel stuck and would like to not be making {$1500.00} /mo payments on 2 loans for 4 more years plus. 

I have read several complaints on the XXXX XXXX  XXXX/ and your site about XXXX XXXX XXXXXXXX and have also read that they had/ have a Class Action Lawsuit against them for these exact practices. 

I need help or counsel.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX Balance Owed {$7300.00} XXXX XXXX XXXXXXXX Balance Owed {$2900.00} XXXX XXXX XXXX Balance Owed {$1500.00}
Product: Debt collection

Continental Credit CTR is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.
Product: Checking or savings account

I changed my password for online banking a couple of days ago and now im not being abble to access to my online banking, I called customer service and they said that my account need to " cool down '' to be abble to access. 
I made this change on the branch located on XXXX XXXX XXXX, XXXX, Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint against XXXX, EXPERIAN and XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for OVER A YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

Due to unforeseen circumstances and financial hardships, I feel behind on my obligation with attached debt. The referenced account was charged off and should qualify as cancellation of debt, which requires the creditor to issue me a 1099C for tax reporting purposes.

I've made attempts to contact the creditor to obtain my 1099C form for tax filing purposes and it has not been received, nor has there be any response to my notification. I request that this debt be removed from my credit report, as it shouldn't show a balance considering the creditor as received a tax write off due to charged off status.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for multiple violations of federal law regarding fraudulent accounts on my credit report. Despite providing a police report and FTC Identity Theft Report, Experian has failed to remove fraudulent accounts and has re-inserted a previously deleted account, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2.

Violations : 1. Failure to Block Fraudulent Accounts in Violation of 15 U.S. Code 1681c-2Under 15 U.S. Code 1681c-2, Experian must block the reporting of fraudulent information within 4 business days of receiving my identity theft documentation. Despite receiving both my police report and FTC report, the following fraudulent account remains on my report : * XXXX XXXX  Account # : XXXX - XXXX : {$1700.00}, Opened : XXXX XXXX. Re-Insertion of Fraudulent Account in Violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Experian has unlawfully re-inserted a previously removed fraudulent account without following the proper certification process or notifying me as required by law : * XXXX XXXX XXXX XXXX Account # : XXXX - Balance : {$800.00}, Opened : XXXX This violates 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), which prohibits the re-insertion of any information into a consumers file unless the reporting agency certifies its accuracy and informs the consumer. I received no such certification or notice, and this fraudulent account has severely damaged my credit.
Product: Credit reporting or other personal consumer reports

My account with the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment. 

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family.

I demand that the late payment reported in the specified months be removed.

The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law.

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date.

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ).

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

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

Please remove the late payments from my consumer reports.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with the insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

My Date of Birth is XXXX XXXX  SSN ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX for Report Information is : XXXX XXXXI have no other requisite of nor for submitting to you nor any entity non-regulatorily mandated supplied personal identifier information. As such, I do not authorize you nor any entity to report ANY decrees versus me of which there is not required inclusion or is information not exactly and completely as I have above appointed to is my non-disputed, factually confirmable correct and current personal identifier information mandatorily reported. Please ensure no other such information exists on my report. 
My Personal Tracking Number is XXXX XXXX XXXX XXXX XXXX RE : I make this address so THAT YOU TIMELY and ETHICALLY do your fair constancy in your processing of this written observation petition to eradicate now any and all Credit Reporting Deficiencies and Deviations from the mandatorily abided by reporting standards, for which XXXX signals can not exist without injuring trust in edicts with unreliable integrity thereby making impossible meeting the federalrulings report to a MAXIMUM POSSIBLE ACCURACY and COMPLETENESS for you could have and SHOULD HAVE been certifiably principled to your own industry standards established for the very purpose of better ensure at least minimal expectations of undoubtablesufficiency of your adherence of reporting in total proficiency with and or of law ( s ). 
To whom it might concern I am writing to DISPUTE the following archives that your company supplied to one or more consumer reporting agencies.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, suitable and more than adhering of Federal and state reporting laws and or fairness in your docile adhering to the mandatorily followed credit reporting industrys codes namely the XXXX own XXXX detailed Metro2 Formatted reporting without deviation ( s ), errors, nor omissions ofsuitable memorandums that may else better ensure integrity of discords made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which might have NOT been satisfied or suitably maintained. I further demand, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably law-abiding reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are absolute even if unexceptional to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. 

XXXX Department of Education XXXX XXXX  inquiry XXXX inquiry
Product: Money transfer, virtual currency, or money service

I noticed that XXXX XXXX was taking unauthorized small payments from my cashapp for almost a year. In contacting XXXX i was told i had to contact Cashapp. When contacting cashapp i realized i had to do a report on each small transaction to even get feed back. After a few attempts i tried for a customer help number that didnt work. I eventually blocked XXXX feom being able to do unauthorized transactions. I am still trying to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have all of the documents that is needed to prove that Equifax for the send time has information on my credit report that is incorrect. 

First of all 4 years ago, I moved from XXXX  back to XXXX, I was denied a apartment due to Equifax. They stated that my home was delinquent. I then proved that my home in XXXX  was paid in full. I was told by Equifax, the issue was resolved and removed from my credit report. I was able to rent another apartment in XXXX XXXX XXXX, that was {$4000.00} per month. 

In XX/XX/2019, I went to the XXXX  XXXX XXXX  on XXXX XXXX XXXX. I was going to Lease, but when the dealership ran my credit from Equifax, it showed the same issue that was on it 4 years ago. 

I tried to resolve this at that time, but it is a long process. So, I returned to the dealership with my Mom so she could co-sign for me. At that point I purchased the XXXX. I did not want to lose out on the end of the year incentives. 

I have a loan with my Mom as the primary and I'm the secondary for a interest rate of 8.5 % through XXXX XXXX. 

I have been trying to deal with Equifax, but I have no where else to go but to you for help.
Product: Mortgage

I submitted a mortgage refinance application on XX/XX/2019. I signed a lock agreement that with a fee of $XXXX for cancellation "Once loan is approved with Conditions and client(s) wish to withdraw". On XX/XX/2019 I asked for withdrawal of my application as I found a better product. I was then notified that the loan was approved on XX/XX/2019 and that I needed to pay a XXXX$ cancellation fee. I am told that the status could be tracked on the loan application portal. However, I have not received any notification of the approval nor have I accepted the "loan approval with conditions". I believe the charges are unfair and I should not be responsible for the failure of the lender to notify me.I look forward to hearing from you. Thank you!
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This company has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Furthermore the name on the statement along with the address is inaccurate. Upon contacting the original creditor they was able to pull up an account with the name used on the statement which they claim is validation. She told me the account was closed in XXXX. However they have it reported on XX/XX/XXXX? Seems to be to me they are attempting to re-age an old debt. Not only that, but the amount they have reported is {$870.00} and the amount they have on the statement they sent me is {$870.00} I know this information has to match exactly. I am making a final goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in theyre reporting. I have attached my birth certificate as well as my drivers license. I have also included what I sent them, when they signed for it and what they sent in response to this invalid account on my credit.
Product: Debt collection

XXXX Citi Bank I received XXXX calls in 5 days alone, not to mention the other previous weeks. 
XX/XX/scrub>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 calls in 5 days
Product: Credit reporting or other personal consumer reports

I have identified accounts on my report that are a result of identity theft. I have not given XXXX, Transunion, or XXXX written instructions ( 15 USC 1681b a2 ) or approval to disclose ( 15 USC 6802b ) my non-public personal information. Nor have I received notice of disclosure, or option to opt out ( 15 USC 6802b ), prior to the disclosing of my personal information. The following accounts are being reported fraudulently, against my written instructions and against my right to opt out, resulting in identity theft ( 18 USC 1028a ). These accounts must be blocked within 4 days pursuant 15 USC 1681c-2 : Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXX # XXXX Acct. XXXX XXXX XXXX XXXX # XXXX. I have attempted to rectify this matter, these agencies still fail to comply with 15 USC 1681 and aforementioned codes and laws.
Product: Debt collection

I was notified that I have an unpaid debt by my credit monitoring company that was reported on my credit report on XX/XX/XXXX and XX/XX/XXXX to XXXX  and XXXX by Credit Bureau Sysyems. Even though I had previously wrote on XX/XX/2018 to Credit Bureau Systems ( CBS ) within the thirty days after receiving a collection letter by CBS that I had paid this debt and was disputing this debt. I did not think I owed this deductible as all deductibles are collected at the office and I was told at the doctors office that I did not owe a co-payment. I ended up paying the debt to avoid it being turned over to a collection agency by XXXX XXXX. I paid this debt on XX/XX/2018 directly to XXXX XXXX who assured me that my account was good standing and to ignore the letter I have received about my debt being turned over to a collection agency. 

XX/XX/2018 and XX/XX/2018 Source XXXX  Source XXXX Company CREDIT BUREAU SYSTEMS INC Payment Status UNPAID ( UNPAID ) Status Date XX/XX/2018 Balance {$50.00} Address XXXX XXXX XXXX, KY XXXX