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

Approximately XXXX months ago, I took my cat to the vet because he was very sick. He ended up passing away after approximately {$3000.00} in vet bills. My vet said I could take out a loan through a company they use, and when I showed them my phone to ensure I was using the correct application, they mistakenly told me it was the correct site. I didn't find out until a few minutes later, Max Lend was not the company they use. I did not think anything of it, as I I was sure it was a loan shark or a predatory company, but I figured I would just pay it off within the next month and just chalk it up to a mistake. I didn't think the interest rate would be as high as it ended up being, I would be paying more than double with my actual loan was to begin with, and they would make ridiculous rules to make it more difficult for me to pay it off faster. I attempted to make extra payments, but always had issues online and by phone. One of the issues is that it would not allow me to use a different bank account number to pay. So I transferred money from that account to the one registered with Max Lend but the issues continued. Then they would not allow me to make a payment sooner than 2 weeks out so I could pay the loan off faster, but they only had the option of paying more on my due date. I attempted to just add another payment to my already scheduled due date, and the website advised if I chose this option, the amount needed to be minimum {$500.00} on top of the XXXX being withdrawn. When I attempted to make a solo payment, the website would not allow me to do so because I already had a payment set up for my next payday. When I attempted to pay interest only, the website stated I could only make a {$500.00} minimum payment towards interest and would not accept any lower payment -- except for today, after speaking with the representative I tried again and this was the first day I could actually make an interest payment ( I did not complete the process and click submit because I did not want to make any payment, so I'm not sure that it would actually go through ) XXXX I made a complaint online and received a phone call from XXXX of their employees, who refused to work with me. They stated I could pay {$1400.00} and pay off the loan. I told them that was ridiculous as I had already paid {$2100.00} for a loan of {$1500.00} that I took out less than 3 months ago. I offered to pay {$400.00} and be done with the loan, and he stated I had to pay {$1100.00}. I am upset because this was completely by accident because of the vet technician 's error, in fact they even refunded me some of my vet bill because of the mistake. But I certainly was not expecting this high of an interest rate and didn't expect them to make it impossible for me to make any kind of payments to try to pay it off faster.
Product: Mortgage

Called in to Us Bank waited about 2 hours on hold, due to covid 19 my husband has been laid off and as far as we were informed they are to offer some type of relief for this horrible situation. The relief they offer is to skip 90 days of paying our mortgage and will have to pay all 90 days that were not paid at the end of these 90 days how is that considered ethical ... this is not help if a customer is not working how will XXXX XXXX dollars just be easy to pay when you dont have it month to month. Please help, I know other banks have better options, they need to comply also on this pandemic we have going in the US.
Product: Student loan

Hi CFPB -- here 's the letter I wrote to Navient this evening : XXXX XXXX 2017 To the Navient Advocate -- My ex-wife and I, before we were divorced, consolidated our student loans in a spousal consolidation program then offered by the government. 
We were told it would mean we pay a lower amount over the long-term. 
For whatever reason, my name was put first as the primary loan holder, so the combination of our XXXX student loan debts shows as over {$130000.00} in my name. Because of the consolidation, I do not qualify for any of the income-based repayment or forgiveness options available anywhere. 

There is no exit strategy for this -- no way of undoing the spousal consolidation, even though we are now divorced. I have spent my career for the last 16 years XXXX. My Navient payments keep going up and your staff offers no sufficient explanations for why this is. In a call on XXXX XXXX, 2017, I was told the loan would be paid off after XXXX payments at {$720.00} per payment. I received a notice in the mail today -- barely three weeks later -- that the loan would now be paid off after XXXX payments at {$740.00} -- an increase of nearly {$20.00} per month. 

I have been on the phone now with your service center, waiting for an answer, for over half an hour. Plenty of time to write this letter, a copy of which I will be sending to the Consumer Financial Protection Bureau ( CFPB ). 

Interestingly, the CFPB is suing Navient because the company : & gt ; created obstacles to repayment by providing bad information ; & gt ; processed payments incorrectly ; & gt ; failed to act when borrowers complained ; & gt ; illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; & gt ; deceived private student loan borrowers about requirements to release their co-signer from the loan ; and & gt ; harmed the credit of XXXX borrowers, including XXXX veterans I 've also read up on your CEO, and he fits the profile of the usual corporate crook, finding a way to maximize yield for investors through a business model that financially exploits middle class people who do not have expandable monthly budgets. I am one of those people. 

My first call tomorrow will be the Consumer Financial Protection Bureau to see what they can do for me. 

In the meantime, what solutions do you have to offer? 

XXXX XXXX
Product: Credit reporting, credit repair services, 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 Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX, 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. ( 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

Hello My name is XXXX XXXX and I attend XXXX XXXX XXXX XXXX in XXXX XXXX mi in XXXX and completed the school it was a good program so I went forward and went out and got a job at XXXX XXXX 6 months passed I paid the owner of XXXX XXXX XXXX in person and in full now its XXXX and XXXX XXXX is harassing me saying I owe the debt again its been paid to the previous owner I never made any agreement with XXXX XXXX this is false accusations I have paid everything in full Ive reached out and tried resolving the issue nobody at XXXX can help the collection agency is agresive and make threats Im very upset and this is taken a toll mentally I want this resolved please and thank you its been 8 year since I paid this debt off in full why am I being harassed now
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, The re have been attempts to gain credit using my information. None of the requests below were made by me or in my home state where I have been quaranting since mid XXXX. Below is pulled from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX.- Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

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
Product: Credit card or prepaid card

I have a credit card with Chase Ink and was a few days late with a payment due to being abroad on holiday. On my return I called and explained and made an immediate payment. I was then told as it was outside of their period I would be charged a higher rate of interest. I was also told I would have to wait 6 months before they would review the situation. This I did and then called and wrote - but received a computer generated automatic reply saying my request to return to my original APR was not acceptable - even though all my payments had been made in good time. I again wrote 3 months later when the same letter was received. I called and was told " there is nothing we can do '' I am currently paying off the balance and will switch to another credit card company. 
The hike was to a rate of 24.49 % - up considerable from my original rate. 
I also had a Mortgage, Equity Account and additional credit card with Chase - all of which were paid on time over a number of years
Product: Mortgage

I tried several times to remove the pmi and I was told there is no way to remove even after loan to value was paid down over 20 %. They told me it would be on there for the life of the loan.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Accounts : 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 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  Further, my personal information is incorrect as listed. 

My name is spelled XXXX XXXX, Address : XXXX XXXX  XXXX XXXX, XXXX, South Dakota XXXX. NO other names or addresses are associated with my or my consumer account. All direct violations of my privacy. and 15USC1681. You have never had my permission, written or expresses or implied to have this information.

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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts that are still reporting on my Credit Report : XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPT OF ED/XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX, XXXX-Original amount {$2700.00} DEPT OF ED/XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX, 2015-Original amount {$3000.00} DEPT OF ED/XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX, 2015-Original amount {$2200.00} XXXX  XXXX XXXX C-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX C-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX LLC-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX  XXXX-Balance : $ 117-Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XXXX XXXX, XXXX
Product: Debt collection

XXXX XXXX called my relatives when they already had my number. They stated they were though National Debt Holdings and they were trying to 'serve ' me civilly for a lawsuit. I contacted my county and no lawsuit pending. Then they stated there was a loan from XXXX loans back in 2017 that I don't remember. They were telling me that I should have paid it and there wasn't an excuse not to now ... and that I can afford to pay it. They tried to ask me for my banking and work. They were belittling me and my situation. Finally this " XXXX '' told me they would " send me the demand '' letter and hung up on me.
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 amount of funds when the transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns. with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe this practice is unfair and request an investigation on my account. transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, and XX/XX/XXXX I reached out to all three credit bureaus reporting that the information on my credit report had been incorrect and that it should be removed I also sent letters stating that the information should not be on my credit report. The all inquiries, collections and the bankruptcy were removed and added back to my all three credit report. I reached out and nothing else had been done even after multiple certified letters being sent. No one has done anything to help my credit report this has done great damage and is a violation of FTCA I have also asked that my inaccurate information be corrected and has failed to do so Please help me.
Product: Vehicle loan or lease

I had an auto loan through auto advantage finance. after trying to get them to work with me do to me getting sick with COVID and behind on my payment they repossessed my car right before Christmas. it then took them until XX/XX/XXXX for me to receive the letter showing what my options were in order for me to get my car back. they are charging me {$6.00} a day on top of the {$250.00} repo fee for a total of {$14000.00} ( keep in mind the {$6.00} is continuing to accumulate each day they still have the vehicle.. so now by this time that i know what my options are I apply for refinancing through open roads lending. i got approved by them based off of what reflected on my credit report showing what the remaining loan amount was {$13000.00} ). after receiving the payoff amount from auto advantage finance I then get a letter saying that I was denied due to Loan value exceeds program requirements. so now i only have until the XXXX of XXXX to payoff the full amount in order to get my vehicle back and today is the XXXX. even if i apply for through another lender there isn't enough time to go through the process and be able to get my vehicle. along with this they also continue to send me emails trying to deduct my payment from my account every two weeks.
Product: Checking or savings account

On XX/XX/XXXX I opened a CitiBusiness Streamlined Business Checking account. The account came with a promo offer ( provided by the banker in-branch ) that would be satisfied if I deposited {$20000.00} within XXXX days ( I did so on XX/XX/XXXX ), maintained that balance for XXXX consecutive days ( I did, withdrawing only after XX/XX/XXXX ). The bonus of {$750.00} was due XX/XX/XXXX, due to the language " The Cash Bonus for which you qualify will be credited to your Citibank business checking account within XXXX days from the end of the month in which you complete all offer requirements. '' However : It was not credited. On XX/XX/XXXX I contacted Citi over live chat, who directed me to phone support, who insisted on a bonus code which was not printed on my offer. I then contacted my business banker at the branch, who did not reply. I no longer have confidence Citi is interested in fulfilling their side of this offer - paying out the {$750.00} bonus- and need to escalate the matter via a CFPB complaint.
Product: Mortgage

I am very frustrated. My mortgage company ( PennyMac USA ) offered the CARES Act mortgage forbearance when all the COVID-19 craziness happened. We were overwhelmed, stressed, scared and thought this was simply a kind hearted gesture to give relief during these unprecedented times. 

I missed one payment ( XXXX ) under this plan. I received an email that stated when I came out of forbearance that this one payment would simply be automatically added to the end of my loan. I called to verify and was assured that yes, that would be what would automatically happen with no negative impact to me. 

I called today to make the XXXX payment and let PennyMac know all payments would now be made and that the XXXX payment was the only one needing to be added to the end of the loan. 

I spent over 30 minutes on the phone with a representative who told me that I would owe over {$3000.00} in XXXX ... my monthly payment is {$1300.00}. I immediately questioned this as this went against what I was told. She then told me I had to set up a payment plan. She told me I have to pay my regular {$1300.00} payment PLUS {$1900.00} for XXXX, XXXX, XXXX, XXXX and XXXX How does a missed {$1300.00} payment equal {$9500.00} ( {$1900.00} for 5 months )??? 

I again stated what I was told about PennyMac automatically adding the ONE missed payment to the end of my loan. 

She said a Loss Mitigation Agent now needs to contact me. 

So now I am INCREDIBLY stressed ... feeling like I NEVER should have accepted this offer of help because it is now so NOT going to help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back XXXX XXXX has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 


Account name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX XXXX  Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name - XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!
Product: Debt collection

I contacted the company regarding a collection on my credit report that I was not liable for, I was only a authorized user for the account and should have been notified that the owner was in default for nonpayment