23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have been trying to contact Cash App company for 2 of to 3 unauthorized charges for the past 3 month with no motivation to help me fix my account. Received an email that said it fell in my favor but my money was never returned. Then I was told it's past 90 days that nothing can be done about it now. I DEMAND TO HAVE MY MONEY.
Product: Vehicle loan or lease

This company constantly reports inaccurate info on my credit report and its hurting my score, my job search and apartment. This company reports different info to each credit Union. XXXX deleted this account, because info was correct and I never was provided the documents to prove this is my account. XXXX and XXXX is still reporting this account so I want it removed. The only thing the company is saying is that its my account, I didnt receive any of the documents I asked for. Please delete
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX through Nicholas Financial in XXXX of XXXX. The term of the loan was 48 months. At the end of the 48 months, actually 52 months, I was told that I still owed over {$4200.00} for the vehicle. After several unanswered question, multiple complaints, and heated discussions Nicholas Financial repossessed the vehicle in XXXX of XXXX. They reported to the credit bureaus that I defaulted on the loan and still owed {$4200.00}. I attempted to contact them several times, with no success. I later found out that their XXXX office had permanently closed, and that they couldnt give me any answers because the office and paperwork was left in a mess. I then contacted the headquarters in Florida to discuss the charges at the end of the loan. The representative explained that it was for company forced insurance that they placed on the vehicle. I explained to her that I didnt need that because I had my own insurance on my car. Her response was that if my insurance company didnt continuously update them during renewal time then they would automatically force place the insurance, even though nothing about the policy had changed and there was no lapse in coverage. I asked her why wouldnt they just reach out to me to verify coverage, she didnt have an answer. I then asked for information about the insurance company and what kind of coverage it provided. She told me that it was an in house insurance company and that her computer couldnt give her any information about the actual insurance or policy itself. As I kept questioning her about the price, frequency, and decision to start the insurance without notifying me she became increasingly agitated and aggressive. She eventually hung up on me. I paid for 52 months on a 48 month loan, and they still repossessed the car. How are their actions legal? What can I do to get this removed from my credit report, other than pay them more money?
Product: Checking or savings account

Navy federal oops program always waits to charge nsf fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report update by XXXX Report As Of XX/XX/XXXX. XXXX is still showing my legal name as my mother name XXXX XXXX on my consumer credit report and they have also added a collection account that was deleted from my consumer credit report back in XXXX XXXX XXXX XXXX and they also balance updated on XX/XX/XXXX. I never received a written letter from XXXX letting me know that this collection has been Reinserted back to my consumer credit report 5 days before or 5 days after letting me know that they were adding this collection back to my credit file. It took me over a year to get that account removed for improper misuse. Equifax has a name by XXXX XXXX XXXX and I guess with her credit file merged into my consumer-credit report. XXXX, Equifax, and XXXX have all damaged my credit. Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. I am also entitled to certain privacy rights concerning my credit information and protection from the misuse of my credit information. XXXX, Equifax, and XXXX have caused severity violation to my consumer credit report and have willfully violated its obligations under the FCRA.
Product: Credit card

I purchased furniture from Ashley furniture store in XXXX of XXXX for {$4200.00}. The XXXX and XXXX at the time convinced me to purchase the furniture by taking out a line of credit with 0 % apr which was on promotion from Synchrony. I informed them several times I did not want a credit card, and was assured that this was not a credit card. I signed the paper work for this promotion, and a few weeks later I received a credit card in the mail... I was angry, but it was not worth fighting at the time, given it was still 0 % interest. 

2.5 years later, On XX/XX/XXXX, I looked at my account expecting to see that I owed less than {$1000.00}. What I found instead was that my balance was {$4000.00} with {$3100.00} payed in interest! According to them, they had deferred all my payments to interest and said that I was notified via my statements. For 2.5 years I payed my bill with autopay setup, which they apparently set for less money than what was required to meet their requirements for deferred interest. Its a scam, and they used deceitful and confusing tactics. The last 6 months I payed {$900.00} with XXXX going straight to interest! And I was unaware! 

My receipt first page states that I signed up for synchrony XXXX XXXX XXXX payments, which I assume mean XXXX XXXX XXXX  payments, however that is not what I got. My first few statements were steady, then drastically dropped off each month. Again, another tactic to make me miss the XXXX XXXX mark ( which I was unaware of ). On the second page of my receipt, the salesman wrote that I had Synchrony for 12 months. I think he got lost in his own deceit. To further add to this deceit, I have no documentation of the " loan '' /credit card itself. Nothing explaining this apparent XXXX XXXX deferred interest promotion. My account on the Synchrony website also has no documentation or explanation of the terms of this account. With no available documentation, how can this be legal!?!?! 

I spoke to countless Synchrony customer support specialists, and worked my way to the final person. Explaining the situation to each one. Each and everyone said I was wrong, and owed them the money regardless of what I was told. They said all that mattered was what I signed and I owed them an additional {$4000.00} regardless of what I said or who I talked to. 

I immediately paid the balance to prevent any further interest charges, but still feel like I am owed all of that interest back, {$3100.00}!
Product: Payday loan, title loan, or personal loan

Lendmark Financial continues to harass and send documents labeled as NC XXXX XXXX via XXXX. Is that not considered as fraud? For the previous telephone calls were harassing. Some employee called from their personal phone and then blocked the phone number whenever I tried to call back. The culprits are XXXX, XXXX and XXXX. I am not one of their backwoods customers with a low education level. I will be requesting a telephone log from XXXX to show proof of the amount of times that I was called and also, a request for $ XXXX- {$1000.00} per harassing telephone call. These people need to be approached and held accountable. This has been reported to the credit bureau, even when I caught up my payments, they reported me as still owing back payments. Fraudulent practices! A federal crime was committed by them when using a federal institutions name on a package with their documents inside. XXXX NC does not carry a zipcode of XXXX, nor would a representative come to XXXX NC to mail a packet!
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit reporting agencies ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Experian, XXXX. XXXX XXXX XXXX TX XXXX RE : Total and permanent XXXX. 
Im requesting that these reporting agencies remove this as a negative on my credit reports.
Product: Credit card or prepaid card

I have been using PayPal Credit ( XXXX XXXX ) for very long time. I had paid a third party in the amount of {$1900.00} on XX/XX/2018 using Paypal Credit ( XXXX XXXX  ). I  immediately became aware of the exuberant fees and interest rates associate with using this service. I called Paypal and Paypal credit ( XXXX XXXX ) and asked them if I made a payment to Paypal/Paypal credit XXXX Bank in the amount of {$1900.00} that it would be applied to the high interest rate loan of {$1900.00}. At the time, I had several interest free loans that were in progress with PayPal Credit/XXXX XXXX I was assure that the payment would be applied to the high interest loan first and then remaining would be applied to the interest free balances. When the statement came in, I was shocked to see that the payments I made went to payoff the Interest free loans and the large outstanding loans were NOT paid on. This is wrong. This is unethical. This seems to be illegal. 
In the meantime, I have had to get another loan from another financial institution to Payoff my PayPal credit/XXXX balance. 

I called Paypal credit/XXXX XXXX twice and was assured that if I paid the XXXX back, it would go directly to that charge as it had a very high interest rate attached- THAT DID NOT HAPPEN. They mislead me. This has been documented. Even their own employees did not know the sinister ways of this bank. 

This financial institution should be investigated for criminal wrongdoing. They are clearly and blatantly over-charging customers by applying payments to zero interest loans and then applying the remaining portions to high interest rate balances. 

After numerous phone calls to find someone to assist me, I was finally able to get a supervisor who said : You paid {$1900.00} too early. You should have waited a couple of billing cycles to pay it. There is nothing we can do. No one has the authority to override this decision. Thank you Please look into this bank. 

You can see the hundreds of complaints on XXXX against the illegal practices of this financial Institution. Please do the citizens of this great country a service and investigate them thoroughly.
Product: Credit reporting

I am a victim of identity theft. On XXXX XXXX, 2015 a credit inquiry was made by XXXX XXXX. On XXXX XXXX, 2015 a credit inquiry was made by XXXX. I sent certified letters to both XXXX XXXX and XXXX and received letters from XXXX acknowledging the fraudulent inquires and stating that they would be removed. Equifax has not removed the inquiries and has told me they must receive the request directly. Attached please find my fax to Equifax with copies of letters from XXXX XXXX and XXXX.
Product: Mortgage

XXXX XXXX XXXX processed a mortgage modification for my residence. I made the 3 trail payments and my mortgage servicing was sold to Rushmore Loan Management. Rushmore would not honor the previous modification agreement they increased my monthly mortgage payment and referred my loan to a foreclosure attorney. I do not think I have been treated fairly I've been working with XXXX XXXX at Rushmore as the single point of contact. She is unwilling to assist me with my mortgage as well as Rushmore Loan Management. I don't want to lose my home. 


See Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

New Information PLEASE READ : This account ( Acct : XXXX ) ( {$330.00} ) has passed the statutes of limitations. According to the Fair Credit Reporting Act : [ The 7-year ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of  subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ] The first reported delinquency was reported prior to XXXX, more than 7 years ago. XXXX XXXX in their last response provided a letter stating that the account was CLOSED XX/XX/XXXX. This account was never re-established after being closed. I believe that this account was ERRONEOUSLY RE- AGED. I was told that there was one payment made in XXXX and another in XXXX. My records show no payments made during those years. ( even if payment had been made to the closed account, it would not have, according to law, re-established or properly re-aged the account ). For simplicity sake, I asked for verification of payments and was told that the records were not available due to age and the fact that this account belonged to a prior bank XXXX. 

I have had a very good and very long ( 20 year ) relationship with XXXX XXXX and would like to amicably resolve this issue.
Product: Credit reporting or other personal consumer reports

The following hard inquiries are fraudulent and do not belong to me, therefore, they need to be removed. Thanks. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Certified Credit Reporting - XX/XX/XXXX Commercial Equipment Fin - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Experian and XXXX  said they verified to bankruptcy when i contact the local court who house the bankruptcy said they do not releases information to the 3rd parties like credit reporting agencies and i have frozen my XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX of the Student Loan close accounts on my credit report They both are charge off. Using the 15 USC 1692g validation of debts, I don't recognize how this account Is reporting on my credit report. I do not recognize the account number. I do not recognize the account Status. I do not recognize the account High balance. Nor do I recognize the late payments associate with it. Everything reported here does not meet the FCRA. I didn't receive any 1099-c from these company. Also, the balance is {$0.00}. It shouldn't be on my credit report.

In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Debt collection

This company is threatening me stating that I owe them XXXX XXXX that i dont owe I send the over 4 letters asking them for my wet signature that I have any contract with them and they did not provide me with one all they did was keep sending me incorrect information still stating that I owe them I was not notified before they decided to report on my consumer report also so they did not follow proper procedures of the law I have told them cease and desist all information they still are reporting they told me they dont follow the laws at all I have to pay of else Im really scared my hair has falling out of my head I can sleep at night because Im really scared of them they are causing me a really XXXX XXXX I do not have Money to pay them they need to leave me alone please delete this account immediately thank you
Product: Mortgage

for Loan number XXXX at Morgan Stanley Private Bank. The loan was in deferment from XXXX of XXXX to XXXX of XXXX and was told that the modification program required income qualification. Later in XXXX I discovered that the modification program does not require income qualification and that the payment would lower my current mortgage payment by {$540.00} a month. I was never told about this offer. After calling the mortgage service center several times to try to get the escrow taken off of my mortgage, I inquired further and was told there is a new modification program that could lower my payment and just requires my acceptance of the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX has not reported to credit agencies since XXXX. My last reported balance was nearly {$1200.00} and my current balance is XXXX. This is negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX inquire date XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX  inquire date XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX inquire date XX/XX/XXXX
Product: Consumer Loan

I have paid my boat loan in full and Santander Consumer and It 's been several months and I have not received the title for my boat, motor, and trailer. I called Santander and they claim that they mailed it, but that is a lie. I have been checking my mailbox daily and I have not received anything. They are asking that I get a lien release or duplicate title at my own expense by going to " XXXX '' which is not even affiliated with them. I tried obtaining the lien release at that website and could not get it done. There is no phone number listed on that webpage so I can speak with someone either.
Product: Credit card

I made a purchase of {$480.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.
Product: Debt collection

DRS also know as Debt Recovery Solutions has placed a collections account on my credit report in violation of the FDCPA and FCRA. I have never been contacted by this company in any way. I have never received any mail from this company. They are reporting this as a new account opened XX/XX/2022 in the amount of {$1100.00}. They are claiming to represent XXXX XXXX. The debt with XXXX XXXX is a result of identity theft which documentation was provided. 

DRS is falsifying dates in order for it to appear to be a different account from the original account that was reported as identity theft. 

I have no relationship with DRS. I have not authorized them to use my personal information nor do I have any contract with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX has been paid and closed since XXXX  but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX XXXX XXXX XXXX FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00}
Product: Mortgage

I submitted a complaint yesterday about Mr.Cooper Mortage company I closed on a house XX/XX/XXXX and they put a 30 day payment on me I talked to my Mortage company who Im trying to get financing from and they told me to also put they have pulled the history and Im 14 years I have never been late on my mortgage with them Please help me in getting this taken off so I can buy a home for my family and its not fair
Product: Credit reporting or other personal consumer reports

Hard inquiries

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A company who calls themselves CBCS is calling my work phone constantly as well as leaving messages on my work phone. In the message they state that they are a debt collector who is attempting to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX