23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The problem I am having with Navient is that they are failing to correctly allocate payments to my student loan. I have three students loans with Navient ; a privet and two Federal that are consolidated. My problem is with the Federal loan.  Since XXXX I have been doing over payments to the Federal loan portion that has the lowest outstanding principal. As of XXXX statement, my outstanding balance for the loan was {$2400.00}. After making the over payment for XXXX, when I verify the statement, the outstanding balance increased to {$4200.00}. I've called Navient several times ( XX/XX/2010, XXXX, and XX/XX/XXXX XXXX to get an explanation of what happen and to fix the problem. Their customer service people were not helpful. At least I found out that all the over payments I did, after been apply to the correct loan ( per my instructions in my profile setting ) where reverted and apply to the loan portion with the highest outstanding balance. I want for Navient to follow correctly my over payment instructions. I still have a long way to pay my student loans, I don't want to deal with Navient 's purposely confusing and misleading information. Their practice are deceptive at best and fraudulent at worst.
Product: Credit card

I opened a care credit account to purchase XXXX XXXX I was told I would have no interest for 24 months and then it would be between 29.99 % - 39.99 %. On XX/XX/2023 when the two years was up they charged me {$1300.00} in interest fees. I called and they said that was correct but they never sent any further info stating they could charge me over XXXX XXXX XXXX interest. In fact, to this day, they've never even sent me the card so I can only supply you with the last four digits I can see on their online portal. 

On the phone today they said I had to pay interest on the principle balance from my initial purchase only. My purchase was {$2400.00} and I had paid it down to {$1000.00} until I used the card at a vet to care for my sick cat. So per their own information I should only be charged interest on that {$1000.00}. 

This is predatory lending and I would have never agreed to this, ever. I have spent my life as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I read all the fine print before I sign anything. This bank is actuing fraudulently and in doing so have overdrafted my account and are ruining my credit. 

I have made more than the minimum payment, on time, every month since I opened this account.
Product: Credit reporting or other personal consumer reports

You have committed a Trespass by way of an Invasion of Privacy, Material Misrepresentation, Fraud, Unauthorized Use, Negligence, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and, Texas Business and Commerce Code Sec. 521.051. You are a consumer reporting agency as defined by the Fair Credit Reporting Act, " FCRA '', and a financial institution, and a nonaffiliated third party as defined by the Gramm-Leach-Bliley Act, " GLBA '', who obtained, used, and furnished my nonpublic personal information, personal identifying information, and identifying information without my consent pursuant to 15 USC 6801, Texas Business and Commerce Code Sec . 521.002, and Texas Penal Code Sec. 32.51.
Product: Consumer Loan

Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for SANTANDER CONSUMER USA to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
Product: Debt collection

Hi, I received a credit alert about a Major Derogatory Account and the company is HUNTER WARFIELD. I see they are a debt collector. I haven't heard of this company, received any contact from them and I have no idea how this got on my credit report. I pay all my bills and on time. I'm not sure how they can do this legally but this on my credit report and has affected it negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, On XX/XX/2023, I received an alert that my credit report was changed. I then viewed my report and noticed that Phoenix Financial Service reported that I owed {$380.00} and it's in the collection. I do not own that account that they report to the credit agency. 
I disputed the account over three times and still, nothing happened and it continues to reduce my credit score. 

I have never received any notices from this company stating I owe a debt to them. They directly went straight to the credit bureau stating I owe the debt and placed it into the collection section on my report. I have no knowledge of where this debt came from. As of today 's date, I still don't have this information, so I am really baffled as to where they got it from. 

Note : My information has been comprised on the dark web of my social security number, and email as well. My name has been spelled many different ways on my report and I also had to dispute that also. With that being said they are in violation of my HIPPA rights by reporting medical information. Therefore, I will seek legal assistance if they continue to pursue and collect a debt they claim that I owe while violating my HIPPA rights.
Product: Credit reporting or other personal consumer reports

I have accounts on the 3 reporting company 's that I have disputed over and over and they will not remove that either are paid or asked them to remove it cause I don't have the card the account is totally paid. I have sent disputes over and over and I just got an inquiry that I didn't do and they won't do any thing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were XXXX  days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$0.00}
Product: Credit card

I got the XXXX card a couple months ago, like many who heard news about the card that gives points for rent. I was excited to start, but quickly over the past 2 months my frustration has turned to suspicion that XXXX may actually be intentionally withholding points from customers in a very clever game of plausible deniability. Ive forwarded the email chain below. 

Basically, XXXX is getting valuable customer acquisition from many, many customers while claiming our referral links are broken to avoid giving XXXX referral points ( normally obtained after spending {$2500.00} ). Instead, they make it very annoying for us to get the referral points owed by asking us to have our friends or family reach out directly to XXXX. But turns out these broken referral links have been an issue for over a year. I find it highly unlikely XXXX has been in good faith trying to fix their referral links for over a year and simply been unsuccessful ( I mean every card company uses referral links, Ive never had issues with my XXXX referrals ). Either XXXX is intentionally not fixing these referral links to avoid giving customers points valued at {$25.00} per referral ( or more if transferred to partner airlines ), or our referral links work just fine and theyre lying to us. I cant tell what they really see on their screens, but its perfect plausible deniability for them to grow rapidly without having to pay for it. 

Whats more suspicious is that I personally saw how fast their IT team can fix issues when it benefits them. Earlier a month ago I saw XXXX reported they were offering XXXX points for linking XXXX accounts so I linked mine and waited. When I reached out about not receiving points they told me they dont offer points for linking loyalty accounts anymore. I had to cite their own website link with the language stating they did, and they WIPED it clean within the hour. ( I dont have the screenshot, but I have the messages to prove it. ) So clearly they can fix issues immediately when it benefits them. But when fixing an issue for customers suddenly have their hands tied? 

Given the shadiness of Wells Fargo in the past ( XXXX  scandal ) and the clear strain right now between XXXX and Wells Fargo, I could imagine a situation in which XXXX has financial incentives to withhold what they advertise. Hopefully someone can pick this story up to amplify our voices and pressure them to fix their referral links..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has admitted that they do not have any loan information with my name, yet they refuse to delete it off my credit report. Experian, XXXX and XXXX claims that the account is verified, accurate and validated, yet XXXX & XXXX can not find ANY LOAN INFORMATION in their system, So how is is verified, accurate and or validated by XXXX, Experian and XXXX? Besides that, XXXX XXXX XXXX XXXX XXXX XX/XX/2022, since they were notified by CFPB and XXXX  and they could not find anything. 
I am unsure as to how my likeness was received by XXXX & XXXX, but being a victim of the XXXX and XXXX data breach I can only believe this error was due to their errors as to the why this account appears differently on all credit agencies profile. I am a victim of aggravated identity theft and these companies have access to my credit and caused actual financial injury and severely harmed my existing relationships with financial relationships, as well as hindered my opportunity with news ones ; as I've been denied by many. These CRAs have willfully neglected their responsibilities to consumers by violating the FCRA. 15 usc 1681 b as well as 15 usc 1681 c-2 and each of its CEO 's are culpable, as well.
Product: Consumer Loan

In 2011 post bankruptcy, I was offered a car loan through an agency that works with post bankruptcy individuals. This loan went through and was approved with a rather high interest rate. I took the car loan out at time d/t the fact that I was a single mother with no running vehicle as my vehicle was in constant need of repair. I had a job with a XXXX mile each way commute and needed to not miss time at work any longer d/t vehicle issues. I was able to make the payments and keep going to work and supporting my sons. 
Soon after I took out the loan the finance co. was taken over by GM Financial. I have continued to pay on this loan over 5 years struggling more and more to keep the vehicle running and make the payments, as life continues to happen. Upon, watching my balance I am noticing that over the last year, though I have struggled, I am no closer to paying this off as I am hoping to do the right thing and pay my debt. 
I have contacted GM Financial and stated that I feel their late practices are un reasonable and also stating to them that I feel that they are not legal. Not only am I being charged {$50.00} late fee which exceeds 5 % of the entire installment. I am being charged additional interest along with my normal 23 % for each day that I am late. I can not keep up any more. I am paying bare minimal and just trying to give them what I can. 
At this point I do not see any hope of ever resolving this. They are stating at this point, I have gone from a 72 month installment to 80 months and it keeps growing. I have tried to resolve by requesting settlement. This is refused. The XXXX value on the vehicle at this point in time is under {$2000.00} and the payoff is still showing almost {$11000.00}. 
I need help, I do n't want to go delinquent, I do n't want to rip them off. I just want the right thing done on XXXX sides. I feel completely vulnerable and have considered a voluntary repossession. I do n't like the idea, but I 'm feeling like my options are running out. 

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

There is an inquiry from XXXX XXXX that was n't authorized by me. I 've written Experian on XXXX XXXX, 2017 concerning this. They 've made no remedy for this inaccurate reporting as the inquiry remains on my report unauthorized.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

The hard inquiry for this account needs to be removed. There was an investigation after identity theft report, and the account should have not been opened. Investigation ruled in my favor. Any and all history has been removed and the account is closed. The hard inquiry for this account should also be removed. 

Account number XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of 2020 I opened a checking account with Bank of America using a promotion code they sent to me via the U.S.P.S. The offer code was XXXX and stipulated that a bonus of {$300.00} would bee paid within 60 days of meeting the terms. The terms were to setup and receive direct deposits totaling {$4000.00} within 90 days. Those terms were met on XX/XX/2020. After not receiving the {$300.00} bonus after 60 days had passed I contacted Bank of America Customer Service on XX/XX/2020 and was told that sometimes it takes longer than advertised, theyd mark a note to the incentives department and to contact back in a few weeks if it had not been paid. After another month I again contacted Bank Of America Customer Service on XX/XX/2020 and spoke with an XXXX. XXXX informed me that the nothing was sent to the incentives department after the first call and that he would make sure it was done this time and it would take 30 working days for resolution. I repeatedly asked for a case number, follow-up contact, and whether I would get any email correspondence regarding the matter. No case was provided but I was told I would receive an email. Ive not received an email as of today XX/XX/2020 so I have little faith that Bank of America is handling this breach of the terms they advertised for opening a new account. 

Please assist with resolving this issue and preventing this financial institution from committing fraud against other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. 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. These accounts were opened fraudulently XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XXXX of XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not ever was permission granted or requested, to track, list, store, report, gather, or handle by any means any information with regard to XXXX XXXX XXXX. If any documentation exists that shows any such permission has been granted or otherwise authorized, let it be stated : under false pretenses and without full disclosure were these contracts acquired. 
Furthermore, with regard to statements made by creditors or government agencies of all type, that claim liability and or levy against XXXX XXXX XXXX, let it be as stated : these are all in violation of public policy as XXXX XXXX XXXX is exempt from levy ; XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Checking or savings account

Chase closed my account didnt provide a dispute process and have no record of why the account is closing
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I have a collection in my credit for the amount of {$1500.00} for XXXX XXXX which I never contracted or ever had XXXX XXXX This debt was reported to collections on XX/XX/2022.
Product: Student loan

My problem lies with the counts on my account. I have received different information each time that I called. It seemed that I just needed to wait and then while waiting someone told me that I needed to update my current employment. Not one person mentioned this during the time that I was supposed to simply wait. I then uploaded my documents and someone stated that they would be processed quickly and this was not the case. I have been waiting for quite some time and I think that Mohela should let me know how many counts I actually have in a timely manner. I should be close to forgiveness and I want this to be solved prior to when a payment is due. Thank you
Product: Credit reporting or other personal consumer reports

deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Debt collection

I am not liable for this debt of {$4100.00} with EASTERN ACCOUNT SYSTEM I Account Number : XXXX. I do not have an assignment contract with EASTERN ACCOUNT SYSTEM I, if I do I request that you provide a copy of it to me. If this debt is in fact valid I request a change off assignment immediately. If you Don't have it via 15 USC 1681b, you don't own it and you can't report it. Also reporting without proper ownership is identity theft and I request that you remove it immediately. I have also attached an additional notice.
Product: Vehicle loan or lease

On XX/XX/XXXX, I entered into a consumer credit transaction with Capital One Auto Finance via XXXX XXXX XXXX in XXXX, Texas. Upon identifying the vehicle that I wanted, the salesman immediately began to tell me that I would have to pay a cash down payment or trade in a vehicle that would be of comparable cash value. To finalize the credit transaction, I was coerced into trading in my XXXX XXXX XXXX, identified by VIN # XXXX, which the dealership gave an assessed cash value at {$7500.00}. A cash down payment in connection with a finance charge is a illegal. The Truth In Lending Act also defines the Finance Charge as the sum of all charges, but that is not what the contract states in reference to this consumer credit transaction. I was also required to obtain and maintain insurance on the vehicle, even though the insurance was supposed to be included in the Finance Charge. Capital One Auto Finance XXXX XXXX XXXX XXXX also failed to provide me with required disclosures pursuant to the Truth In Lending Act. It appears to me that there was intent to defraud me as a consumer from the onset of this consumer credit transaction. The transaction can be referenced by sales contract ; Deal # XXXX, XXXX # XXXX, VIN # XXXX. I've also attached copies of pages from the contract which evidences multiple TILA violations, labelled as XXXX VIOLATIONS '.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries on my credit report that I did not authorize and would like to report as fraudulent and have them removed
Product: Debt collection

XXXX XXXX 2017 - XXXX XXXX - Friend was approached outside house and asked if I lived there. Upon questioning he revealed to my friend it was for credit card debt and left documents with him revealing details of the debt. <P/>XXXX XXXX 2017 - XXXX XXXX - Person came to door asking for me and if I lived there. Friend told him to leave. <P/>XXXX XXXX 2017 - XXXX XXXX - Person came to door, striking it forcefully and loudly ( this startling, unexpected and unwanted action caused me to fear for my son 's and my safety ). My friend, who was likewise concerned, asked this person to identify himself.
Person said he came yesterday and again asked if I lived there. Friend told him to leave - he was insistent and would not leave. My friend ( a law enforcement officer ) told him to " cease and desist '' coming to the property. Person would not leave. Friend told him he considered him a threat and was armed ( legally ). Person told him " well then, you 're going to have to shoot me '' and that he will be back tomorrow. Based on person 's response, which a reasonable and prudent person would not utter, I fear this person is a clear and determined threat to the safety of me and my son.