23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Back in XX/XX/2018, I went to XXXX XXXX XXXX XXXX. They told me to use Green Sky for credit to sign up for the program. They contacted Green Sky ( XXXX XXXX XXXX  XXXX ) and over the phone signed me up for credit. I never saw the original contract I was signing nor did anyone tell me at the time that they were going to charge me more interest than the loan was for. As you can see from the attached, I had a credit line of {$3000.00} and they want to charge me over {$6000.00} for the loan. I think this is absurd and unfair credit practice. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the attached documents to XXXX, TransUnion and XXXX yet the information is still reporting incorrectly. 
The XXXX XXXX XXXX XXXX and XXXX XXXX Account are showing past due yet they were paid by XXXX XXXX XXXX XXXX due to COVID19. 


Attached you will find the documentation to support my dispute claim. 

XXXX XXXX are not late and were COVID19 related and paid from XXXX to XXXX by XXXX XXXX XXXX insurance. Please correct the information. 

Also I have submitted documentation to remove late payments from XXXX XXXX XXXX. XXXX - XX/XX/2020 were also paid by the insurance company and never late. 

Please make necessary adjustments and correct mistakes. 

Thank you
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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Mortgage

XXXX issues : 1. Took additional month payment and booked against " Principle '' not " Payment '' so stated online and in automated phone system I was delinquent, when in fact I was ahead of schedule. There is no option to allocation additional payment to your chosen category 2. I decided to pay bi weekly instead of monthly. They hold that bi weekly payment not applying to your account/principle/payment until a full months amount is recieved. Therefore they garner interest on that cash for thier business while charging me interest on the partial payment I have given them, but they do n't apply to my loan 3. When attempting to reach thier " Equity Acceleration Team '', to discuss the mechanics of a bi weekly payment, I was kept on hold 45 minutes between XXXX different customer service reps. I was then told when the rep tried to reach the Equity Team they get disconnected. Therefor I should call back. Basically they are either not staffing thier service lines during working hours, they do not resolve technical problems, or they do not answer on purpose. There are numerous reviews from others stating this happened to them. This is a tactic to delay the bi weekly payment option therefore mitigating the chance that I reduce my principle faster which would reduce NationStar 's interst/earning on my loan.
Product: Credit card or prepaid card

XXXX XXXX / XXXX / {$550.00} XXXX XXXX XXXX XXXX / {$1.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance {$0.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

This is a very predatory company. I took out a loan for {$3600.00} with this company in XXXX. I have paid more than 3-4X this amount and the balance is still showing as {$3400.00}. In XXXX  I lost my job and entered an agreement with the company-NetCredit Temporary Payment Relief Plan and despite this they still reported me late even though I had the payments on auto pay and they were on time. 

Not only this but they have unethical and illegal credit reporting practices. For example, sometimes I will login to make the payment the same day and the website won't allow me to make a payment unless I schedule it out several days which will result in me being reported late to the bureaus. They have also incorrectly reported the amount of the late payment. 

As I stated I have been paying this loan for years and none of the money paid is hitting principal, only interest and I am constantly hit with late payments on my report which has significantly damaged my credit and has made it impossible for my family and I to purchase a home. 

I would like for the hard earned money that I've paid be applied to the principal of the loan as well as the late payments removed from my credit report. 

I'd been doing some research and it is clear that Netcredit has a pattern and history of this and I am considering filing a class action lawsuit as well as go to the news station. This is predatory and very unethical. I can't believe this company is able to get away with this. I am no longer going to accept this lying down and will file with more regulatory agencies to prevent others from going through this. 

If an attorney sees this, please contact me. I know a few others willing to sue.
Product: Credit card or prepaid card

As a longtime customer with Kohls  department store, I never missed a payment and always paid on time. Even paid early for over 3 years. On XX/XX/XXXX, unfortunately, my payment was somehow and became a few days late. But I paid my minimum payment as usual of {$27.00}. My account limit started with a {$300.00} credit limit and quickly increased to {$700.00}. And I continued to pay {$27.00} as the minimum payment. But when I checked my statement my minimum payment increased to {$45.00} and I was told it was due to my balance of $ XXXX. I tried to explain to several representatives that my balance was lower and it didnt make sense that my account balance at {$700.00} was a minimum of {$27.00}. Consequently on a XX/XX/XXXX call with a representative ( XXXX ) I was told my minimum payment in XXXX would be {$27.00}, but I needed to pay the {$45.00} by the due date on XX/XX/XXXX, even though the late fee was reversed. I feel the {$45.00} minimum due is completely unfair and should pay the {$27.00} for XXXX payment. Moreover, I have been given the runaround about this whole situation as a loyal customer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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: Credit reporting or other personal consumer reports

I am a victim of identity theft as of XXXX of this year. During this incident, on XX/XX/year>, my Experian account was compromised. I got an email saying my profile information was changed. When I went to login, my username/ password was not working. When I clicked " forgot username, '' an email was sent to an email that was not mine. 

I immediately called Experian to come to a resolution. After a number of discussions with many people, I was finally told that I must submit personally identifiable information to confirm my identity and get access to my own account back. When I asked whether they would temporarily disable my account, given that I am calling about being a victim of identity theft, they would not do so. So, despite immediately calling once I received an email about my profile information being changed, they presumably are okay with someone else having access to my credit report and personal information. 

They asked if I wanted to put a fraud alert or credit freeze on the account. When I asked if the person who has control of my account could simply remove the alert / freeze, they said yes. 

I sent my personal information required to prove who I am on XX/XX/year>. After following up multiple times, it took an additional follow up email for them to finally say it wasn't what they needed, and that it was " blurry. '' This email was sent to me on XX/XX/year>. When I called on XX/XX/year>, I was told it could take XXXX additional days to resolve this matter, despite being told initially it would take XXXX business days. Meanwhile, the fraudster still has control of my Experian account. 

The fact that XXXX of the main credit bureaus automatically updates profile information without first emailing/ calling the customer is absurd. Not only this, but once an account is compromised, they do absolutely nothing to assure the victims of identity theft and fraud that they are resolving the matter or mitigating and further damage. 

For a company that collects and stores personal and sensitive data about people, their security measures are woefully inadequate. Their customer service is even worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that you guys validated that these inquiries are accurate when I do not even have an account open with these inquires your are reporting. I would like a copy of my written signature, a written copy of the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately permanently delete these inaccurate items I included these inquires in my FTC report & as well as contacted the creditors and bureaus who say they was goin to handle it & remove these inaccurate items under FCRA Section 607
Product: Mortgage

In XXXX, A near XXXX experience occurred during XXXX  XXXX. 
This caused for a 5 month delay in returning to work. 
As I returned to work my pay had been reduced due to a shift change. 
I became behind on my mortgage I formerly applied for mortgage assistance and none of the various servicers who bought my loan would reply. 
I left the home and thought the home was foreclosed. 

Last year I began to receive information from a company called Penny Mac. Turns out the home is not foreclosed after 5 years of non payment. I am in a better place financially and would like to keep my home. In XXXX XXXX, I began to inquire about mortgage assistance. I was told the only way for assistance is if the home was occupied again. 
I paid $ XXXX to restore electricity, clean up home from XXXX, break ins, etc. I communicated with Penny Mac that we are reclaiming possession in hopes of a loan workout. NO FORECLOSURE DATE was scheduled. Due to the City of XXXX XXXX XXXX and Architects it took XXXX weeks to gain clearance for electricity Turn On. 
I alert XXXX we are back in home and ready to start loan mod process XXXX advises the home is scheduled for foreclosure XXXX/XXXX/XXXX. 
I immediately follow instructions from XXXX  representative XXXX and sent in package complete with all items as directed XXXX and XXXX website checklist. I was advised that the foreclosure would be postponed once the package was received and a Special Point of Contact was assigned. 
Last Friday XXXX p.m. XXXX, I was contacted by XXXX XXXX XXXX by phone advising Me that I should give Proof of Hardship within XXXX hours ( request by Investor ) That would mean gain medical records or something from XXXX yrs back over a weekend. 

XXXX XXXX and XXXX advised me to contact CFPB in hopes of making sure that I am treated fairly. I am attempting to repay this debt and keep My Home. 
I am told I am eligible for XXXX XXXX Funds IF the Foreclosure is postponed to give time for application process. I am told I should have been given a Forbearance of payments. 

Bottomline, I ask for assistance for a postponement of foreclosure sale. I have followed the instructions of XXXX, take back possession XXXX $ XXXX invested ), apply for loan mod, and respond promptly. 

Please assist Me in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm pursuing a program with the XXXX University, and to enroll in the monthly payment they need to connect to my bank account to access my financial data, but I couldn't connect, so their platform sends me here to file a complaint so they can have access.
Product: Vehicle loan or lease

XX/XX/XXXX i purchased auto from carvana XXXX or XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX the auto i purchased is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIN : XXXX I have verified the VIN above is indeed the VIN of auto. 
I have picture 's of same. 

the loan document says the auto is XXXX, lists a different VIN than on the auto itself and lists auto as XXXX when indeed it is XXXX. 

attached PDF document ISSUES has complete details of what i briefly describe above. 

I feel like this is some type of Fraud.
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 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

I received a phone call from an unknown number, I let it go to voicemail because I was driving, it was a man name XXXX XXXX saying that they intended to deliver a package to my residence later today and that they were calling to confirm that I was going to be there. Then they stated that they were going to serve me with some paperwork, and if they could not reach me then they would present my paperwork to my employer. 
He told me that the " Firm '' that is handling my case is XXXX case # XXXX. 
The name of the company for this 800 number is XXXX, they would'nt provide me their location, I was informed that it was against their company policy to provide me their location and address. When I spoke to a gentlemen at XXXX, I asked who the dept belonged to, and he informed me that it was XXXX XXXX XXXX, and I explained to him that this company has made no attempts to collect this dept and he stated to me " you are correct '' they have not intention to collect this dept, instead they are going straight to suing me. He then became very patronizing and telling me that I did not know the law, and that I was XXXX XXXXXXXX XXXX XXXX, when I explained to him that I would like written proof of the dept and he denied it. I also explained to him that under XXXX the company had to provide me written proof. When I asked for his supervisor he informed me that " he was a supervisor '', then I asked for his manager " he then informed me that he was a manager '', then I proceeded to ask for his boss, the person over him and then he informed me that " there is no one higher than him, except XXXX ''. 
I told the gentleman that I bid him good tiding and good day and was ending the phone call.
Product: Checking or savings account

I made a {$1000.00} zelle payment to a wrong recipient and immediately called my bank ( Wells Fargo ) to reverse the payment and they told me they will get back to me in 10 days. I waited after 10 days and called them back only to be told that they can not reverse the payment. I reached out to the wrong recipient but no response. Wells Fargo bank inability to help me was frustrating. I did not think they even investigated the case because they didnt contact me after the 10 days, I rather reached out before they told me nothing can be done. According to the Consumer Financial Protection Bureau ( CFPB ), Regulation E applies to transfers made through XXXX. So, I would like the CFPB to help me reverse this payment. This is a lot of money and losing it is having a toll on my mental health. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX XXXX, Equifax and XXXX, dated back to XX/XX/2020, expressing my concern regarding the inaccurate information being reported on my credit report. they insist that the information has been verified as accurate I XXXX XXXX never gave consent to report such things on my report. Under the 15usc-1681a this is illegal! 
XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX , XXXX XXXX XXXX Equifax : 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: Credit reporting, credit repair services, or other personal consumer reports

I would like to have the paid charge offs removed from my report, the companies said they can not do that.
Product: Debt collection

I 've been trying to get this collection of my name or get it paid! I tried to dispute it but it know shows that this company sold it to a third party and its showing on my credit report as a recent collection of 90 days with a balance of XXXX my original creditor was city of modesto with original balance of {$350.00}. when they decided to sell it to this third company they decided to put it as a new collection that just open in XXXX of 2016. I 'm trying to fight this collection because its not a recent one and the information is not correct
Product: Credit card or prepaid card

I have a credit card with Elan Cardmember Service, today I discovered an excessive interest charged of {$60.00}. This is more thatn any other charges from other compaines. I attempted to resolve with a representative of Elan and what I experienced was a very nasty and unprofessional person. I have attached XXXX billing and ask that this be resolved. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX Acct No. : XXXX NAVY FEDERAL CREDIT UNION Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.
Product: Credit card

This is for NAVY FEDERAL ACCOUNTS due to 120 days passed through from from me being hospitalized due to illness. NAVY FEDERAL restricted my cards. i had an exceptional payment history. I asked NAVY FEDERAL as goodwill to reverse the 120 late payment reporting, and they refuse. refuse, even though I had exceptional payment history with them. and never been late prior to my illness before my sickness This is no way to treat a customer.An exceptional payment history with them .This is no way to treat a customer with a illness i will lke for someone to look into my account and attempt to reverse the 120 days late reporting