23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I reached out to a representative from Jefferson Capital System and set up a pay to delete. Per our conversation ( XXXX ) and XXXX ( supervisor ) stated they would be able to do a pay to delete, when I specifically asked XXXX to send me a email stating they would be able to provide a pay to delete she said they do not use emails but they can go ahead and mail me one. I let them know that I need a letter of proof they will delete it before I can make a payment. XXXX transferred me to her manager and her manager ( XXXX ) told me she will send a secured email with the payment agreement INCLUDING THE PAY TO DELETE. I set up the payment for the XXXX for the full amount and verbally verified were doing a pay to delete and it will state that on the email multiple times. Once I receive the email I log into the desktop and set my account up with them and the payment arrangement is set up as XX/XX/XXXX balance will show PAID IN FULL. I called Jefferson Capital on XX/XX/XXXX to speak to the same representatives to see why I do not have that letter like we agreed on. When I spoke to both representatives they stated they never said such a thing and that they can not send out emails/letters for a agreement of pay to delete because they send it after. I informed both of them that I want in writing that once the payment is made in full they will agree to delete it off my records and that way I will go ahead and have documentation supporting my claim in case it does not get removed. After that both reps said they do not do that per the company policy and that they will remove the collection AFTER I make a payment and they will not inform me until AFTER they remove it via mailed letter. I informed both reps that this is lying to consumers, telling them this information and then not giving them proper documentation per request and also UNFAIR tactics to get consumers to pay on debts. LYING to get a payment and making false statements and claims. At the end of our conversation I asked for them to either give me some type of letter via email stating they will delete the collection off my credit once they receive payment on the XXXX and both representatives were not able to do that because it was " against policy '' and they delete it after they payment. I went ahead and voided my charge and verified the payment plan was delete for the XXXX. This company has horrible reviews and scare tactics to get their consumers to pay. I do not appreciate being lied to and tricked into FALSE AGREEMENTS!
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 correct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit card

On XX/XX/2016 I purchased XXXX items from XXXX worth {$47.00}. There were few major issues:1 ) XXXX does n't have an order summary screen which shows at what address it is going to ship the items.So the order got shipped to wrong/old address. 2 ) I need to make numerous calls and send emails to get it fixed and spent close to 3.4 to 4 hours but still I did n't got my order and finally got the refund in the form of XXXX bucks. 3 ) XXXX send the entire XXXX digit credit card number rather than customer 's first name and last name. this is major security breach as they are exposing the entire PII data which can be really dangenerous. 4 ) when i told this to XXXX and law enforcement agencies about this data breach issue - XXXX retaliated and closed my account 5 ) As and when any refunds used to happen - XXXX used to refund the money not in discover card but as groupon bucks. XXXX abruptly closed my account and all my XXXX bucks ( which is real money ) is also gone. When i wrote this to XXXX they have n't responded. 6 ) Also reached out to Discover regarding the dispute and they are simply passing the blame to XXXX and doing nothing. Moreover Discover is not going to do something serious against their preferred partner ( XXXX ) for the credit card number breach,
Product: Debt collection

XXXX XXXX never responded to my dispute with this account.when there was a dispute about my bill.
Product: Student loan

On XX/XX/2023, XXXX sent a payment for {$160.00} to Aidvantage. Aidvantage claims to not have it. I opened a research request with XXXX and received confirmation that the payment was sent. Aidvantage claims they do not have it. 

When I call support to follow up, the wait times are 1hr 30min + and I can not get a hold of anyone to refund my payment.
Product: Student loan

I started these loans in XXXX for career training. they were supposed to be 15 year loans. 

At the time, I borrowed about $ 68k. I was directed to two forbearance periods, each less than a year, due to health issues ( XXXX with XXXX ). While recovering, the school I attended went bankrupt, and no schools in the area offered the same training, so I could not continue. SM " credited '' me about $ 8k of the loan due to that. 
Even then, I have been paying this since XXXX, and even with a " credit '' my balance is still {$58000.00} as of XX/XX/XXXX. Paying 11 years and the balance has only moved XXXX???? 

I asked Navient when my interest would be paid out so that the loan would eventually be principle only. They told me it does n't work like that. They charge interest on the remaining balance, so I pay interest in the payment, and then it is calculated again, and added to the bill. In the history of my payments with Navient, two recalculations have added over $ 8k to my balance! This is not a loan ... this is line of credit or a credit card rules! Loans are supposed to have a principle and a set interest charged for the amount of that principle ... this keeps changing. This is robbery! 

At this rate, I will be paying this loan forever and my kids will have to assume it! this is so wrong on all levels! 

I am a veteran, I pay my taxes, I have been paying the loan and in 11 years I have only taken XXXX off the balance????? 

Please help! This is a nightmare!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out disputes to each credit bureaus asking them to block the inaccurate items on my report due to identity theft also sent in a ftc report showing items that is effecting me. According to consumer law 15 USC 1681 C-2 any credit reporting agency shall block information in 4 days upon receiving notice of breach of identity. The Credit Bureaus have failed to do this violating my consumer rights. And i am impaled to seek the proper remedies if this is not properly taken care of. 

On XX/XX/XXXX i received a letter from all bureaus stating that my request was sent in error which is very disheartening being as though I am the natural being consumer. According to procedure in case of disputed accuracy 15 USC 1681I I should be afforded a fair investigation of the disputed items to be looked into for accuracy. This matter has not been taken into consideration.

I am asking all my request be granted thru the fairness of the law and taken care of expeditiously
Product: Debt collection

I paid the debt in full, was promised a receipt and update on my credit report. I never received a receipt other than a blank one and  my credit report verified it as accurate with the company, and it is showing I owe the full amount.
Product: Checking or savings account

On XX/XX/year> I deposited a check for {$2500.00} into XXXX Bank of America personal checking account. This check was drawn from XXXX Bank and was from a local business. After the deposit was made I received an email stating that they had put an extended hold on my check deposit until XX/XX/XXXX. This check under Federal guidelines is a next business day funds availability check. Yet Bank Of America puts a hold on the check and will provide no evidence of why they put an extended hold on this check. 
This is a systemic problem with this Bank and it needs to stop. When Banks do this and willfully withhold customers funds from them they are causing harm, by preventing consumers from paying bills and the ability to purchase food and other needs only money can buy. Not to mention the stress and XXXX  of being denied access to your money creates. This damaging and willful practice by the Banks must stop and they must be held accountable to abide by the federal regulations that were specifically put in place to address this heinous and harmful issue.
Product: Other financial service

Santander Bank has not issued a refund check for the Sovereign Identity Protector. I was sent a letter telling me I didnt cash the check sent to me XXXX/XXXX/XXXX. I responded to the letter to for a new check on XXXX XXXX, XXXX. I have been in contact with their customer service the past three weeks and have had a lack of customer service and only told that there was a delay with the checks. the week ending of XXXX XXXX XXXX I spoke with a supervisor gave me a reference number. Then I spoke with a XXXX XXXX at XXXX on XXXX XXXX XXXX about the matter, he was supposed to try getting me a date that I would receive the check, but have not heard back from him and when I tried calling his phone it goes to his voice mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX This need to be removed I have reported to remove from TransUnion report. I gave wrong address before
Product: Debt collection

Portfolio recovery is sueing for old debt that has been charged off and I wasn't 1099 for it.
Product: Payday loan, title loan, personal loan, or advance loan

The loan was given to me with the intent of paying off the amount that was borrowed, and then the interest would be paid. However, the loan is interest-bearing ( was not discussed at application ), with the interest always occurring ( also not discussed ). This means that the interest that I pay one month can vastly change the next without my knowhow. Other people have reported this underhanded issue with OneMain. I have contacted them last year to try and adjust my monthly payment, which they REFUSED to assist with. I am very unsatisfied with their services and want this to be known to any other potential loan applicants. 

They also do not offer a payoff amount on their website. You have to call a specific branch in order to find the information, which is also underhanded as there is no visual specification to give, so they can manipulate it as they would see fit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX posted three hard inquiries on my credit that I did not authorize. I've tried to fix it with XXXX to no avail.
Product: Credit card or prepaid card

XX/XX/2022 - Purchased baseball glove from XXXX XXXX store via XXXX ad for {$91.00} using Discover card via XXXX. ( XXXX only option ) XX/XX/2022 - Received order confirmation XX/XX/2022 - Replied to email on shipping confirmation for status update. Received email delivery failure message. Realized it was a fake site name, opened a dispute with Discover Card and XXXX XX/XX/2022 - Received email from XXXX stating unable to help, contact Discover XX/XX/2022 - Received email from Discover for temporary credit applied to account XX/XX/2022 - Received email from Discover stating case is closed in favor of the merchant and {$91.00} charge applied to account. Email included supporting documents provided by XXXXmerchant with USPS tracking number with delivered status displaying only city and zip code XX/XX/2022 - Contacted Discover via phone to inquire about next steps. Was told by agent to create case with USPS and provide evidence package was not delivered to address listed on order confirmation XX/XX/2022 - Created case with USPS. Local USPS supervisor contacted me via phone and informed me to visit office with proper ID, showing my current address and he would provide image of package with tracking number from XXXXmerchant and full address. 
XX/XX/2022 - Received image from USPS supervisor taken by mail delivery personnel of package with tracking number and full address. ( not mine ) XXXX - Uploaded image to Discover card dispute case XX/XX/2022 - Received email from Discover card stating information provided was already considered and charge was still valid. 
XX/XX/2022 - Contacted Discover and was informed they could not do anything for me, even with the supporting evidence the package was not delivered to the address listed on the order confirmation and XXXX invoice. Agent suggest I use another service to fight this dispute.
Product: Debt collection

I had power with XXXX in New York when I sold my house. I paid the bill on time and 12 months later I reported to the credit bureas by a collection agency. After sending numerous letters and calling XXXX many times the collection was removed. No 11 months later the same account appears again from a different collection company. Same account. Same amount. This was already removed from the bureaus and should not be put back on when it is removed per dispute. I am trying to refinance a loan and this is causing me to have to pay higher fees & interest rate. 

I have already contacted the credit bureau and ask that they remove it as well. You should n't allow collection agencies to abuse on people this way.
Product: Credit card or prepaid card

This was a card that was not authorized to be opened by me. I saw it on my credit report back in 2019 and called Synchrony bank to report it as fraud. I requested information on the card which they denied giving me the requested information. They updated my mailing address and now is saying they are denying it being fraud because it has been opened for more then 12 months and statements have been mailed to me. Statements were not originally being mailed to me until I called and reported it as Fraud and they updated my mailing address to send me the paperwork to report it back in 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies has furnished my credit for so many years to a point XXXX cant buy a home, get a vehicle for me and my family, nor any loan. Which they violated my rights as a consumer
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 the trans action was authorized, I was charged fees due to lagged charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

All accounts were closed on the morning of XX/XX/2021 without any warnings or explanations. Spoke with management and their response " we don't know anything, it was a business decision made by the bank. You have to wait for 24-48 hrs. until we are able to give you answers. ''
Product: Checking or savings account

I received an XXXX  Loan/Grant from the government in XXXX to pay off my employees and myself for our services. I run a XXXX and XXXX  XXXX XXXX, XXXX  XXXX, XXXX, XXXX, and XXXX  XXXX. We provide services for XXXX  XXXX  around XXXX XXXX. 6 months later my account was frozen, after I have paid all of my employees and received a stimulus, several other payments, unemployment and more. I find this to be extremely weird and offensive given I have had this business since 2009 and no one will tell me what is going on. I am being accused of fraud and quite frankly I'm thinking about suing. This is in the middle of a pandemic and I find it to be completely tasteless, bias, discriminatory, and baseless.
Product: Debt collection

The collection agency said that they do not have to follow the laws of the FDCPA due to the XXXX XXXX Employs the collection agency. They also said medical debt is not subject to the Georgia Statue of Limitations on debt Laws. I clearly asked the collection rep to repeat what he said and in fact that on a recorded line he said they DO NOT ABIDE by the FDCPA laws.
Product: Debt collection

They keep calling, do not introduce themselves, yell at me with horrible language. I am currently POA/guardianship for my father with XXXX. I do not have money as we are in probate court for the hijacking of his entire estate. My money is going to legal fees towards the advocation of him and XXXX XXXX XXXX.
Product: Debt collection

In XX/XX/2023 a that was part of a business bankruptcy case began to report delinquent on my credit reports. My attorney reached out to the company XXXX XXXX to request they stop all debt collection efforts including credit reporting due to the fact this loan was part of a business bankruptcy it could not be collected via personal debt collection methods. XXXX XXXX has yet to stop collection efforts although they received this notice XX/XX/2023 This business bankruptcy is still in litigation.
Product: Vehicle loan or lease

In XX/XX/2018 I needed to buy a new used car, I started to submit applications for USED VEHICLE LOAN with XXXX, and my Credit UNion. My Credit Union In DC offered 2.4 % and I was working on to get this loan. 
IN meanwhile I shopped for other auto loans all around including with XXXX, with Credit UNion and thru my dealer, XXXX XXXX of XXXX. 

I recognise hard inquiries from XXXX x 1 inquiry, I recognise 1 Hard INquiry from Credit UNion, and I see 1 hard inquiry from XXXX XXXX and 1 from XXXX. 

However, I was surprised to learn that there is fourth hard inquiry from and by ALLY FINANCIAL of either MN or XXXX XXXX CA. 


I did not apply for a AUTO LOAN to ALLY Financial. 

Moreover, I am horrified to learn about HOW MUCh INFORMATION is there on my ordinary XXXX  credit report about me and about MY PROPERTY- I presumed that ALLY Financial consider my HOME in form of COLLATERAL against AUto LOAN?? are you kidding me? 

that I will place my HOME as a collateral against car??? 

UNHEARD OF!!! 

When I received this Credit Report from XXXX, in XX/XX/2018 and I studied it, I realized that there is ALLY FINANCIAL whom i do not recognise. 

I was horrified about how much information ALLY Financial Provided about me on XXXX  C Rep. 

The information on page 3 is taken from the District of Columbia Real Estate LAND OFFICE, where there is a confidential information about my property FOR YOUR EYES ONLY! NEED to know basis. 
However now everybody who is not lazy can dig out my C Rep and  read it like a novel. 

I protest against such a violation in my privacy and disclosure of my property information on ordinary credit report. 

It is very upsetting. 
I dont know who these people are. ALLY Financial. 
And I want this report to be OUT from my Credit Report. 

I called to XXXX and I asked XXXX to remove it. 

In XX/XX/2018 I was still weak after my 5 hours XXXX in XX/XX/2018. 

But now i am strong and this hard inquiry -- disclosure is not recognised by me, I did not do it, I did not made my home as a collateral against auto loan. 

I want them ( ALLY ) to remove this piece of hard inquiry by Ally Financial from my Credit Report on XXXX. 

PS I received several mailers from ALLY FINANCIAL. I wanted to save it to include to my complaint, but alter I threw it away. 

however, I collected now all double inquiries and unknown to me inquiries like Ally Financial, and I am filing complaint against this abuse I dont know who these people business are. 

I have nothing to do with them. 
And I would NOT I would NOT place my home as a COLLATERAL against a auto loan. 

It is just a car no matter if it is XXXX or XXXX. And My VA home loan guarantee is a HOME. 
Home is Home. It is in the BIBLE : SHELTER CLOTH and FOOD. There is nothing about CARS in the BIBLE.
Product: Credit card or prepaid card

I applied for & got an Amazon Prime store card. I tried using it to buy on Amazon online but it was not accepted. I cancelled my Amazon prime & card. Now Synchrony Bank claims I owe them {$120.00} fees for a card that I can not use. I have had this card for less than a year. Their statements give no dates when they add more fees. I think it is a scam to scare people & make them pay. I could not cancel the card from the banks web site. A man from the bank call today ( XX/XX/2019 ). I explained that I have cancelled my card. He informed my that I still had to pay. I don't think that I owe them anything for a worthless card. I also think that their fee are way too high. The first time I tried to use the card was in XX/XX/XXXX. and I cancelled it shorthy afterward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; Bankruptcy XXXX XXXX  Bankruptcy Liability : {$0.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

They are calling relatives NEVER even reported in my initial credit application and harassing everyone with some connection to me. They are harassing my senior grandfather and confusing him, this needs to stop.