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

In XXXX I received this invitation in the mail. It was to apply for this loan. Who knew that I was financially struggling and couldn't get approved for a loan. You could only apply by invitation only. so I applied and was magically approved on XX/XX/2021. Payments are extremely HIGH. but as time has gone by and I have made my payments I have logged on and see that ALL of the payments are going to interest only. Even the very first payment. very seldom has any of the XXXX gone to principle. I borrowed XXXX XX/XX/XXXX and my principle balance is XXXX as I type this. first payment was XX/XX/XXXX. Actually I paid XXXX before XX/XX/XXXX and then XXXX XX/XX/XXXX. Then if you look at the loan contract not only am I to pay back the XXXX I am to pay XXXX in interest. I have called in XXXX and asked if there is anyway to make the payments smaller or to compromise on the interest since I have basically paid the principle back and was told NO. 

I live in the state of Missouri, where I found out there is no cap on interest. I was not aware of that until now. I feel as if RSVP is a predatory lender and that it is a matter of time before they start having complaints coming out of the state of Missouri. 

I just recently revoked my ACH with them on XX/XX/2021 because I discovered that I am a victim of Identity theft. 10 days before a payment was to have came out of my account which was plenty of time for that to have been done as their contract asks for 3 days. They replied to the email acknowledging the revocation of ACH withdrawals on XX/XX/2021 and to my surprise continued to withdrawal funds from my account on the XXXX. As soon as I revoked ACH they sent me to collections but my payment was not to pull from my account until the XXXX. I have emailed the support department and they will not respond. So in the meantime I have filed an unauthorized Ach transaction form with my bank. That money should not have been taken out and should be put back into my account. 

With Covid and people losing their jobs, and everything I am just surprised that RSVP wants to treat their customers this way. I already feel as if I have been preyed upon.
Product: Debt collection

other EDFINANCIAL XXXX XX/XX/2018 {$890.00} EDFINANCIAL XXXX XX/XX/2018 {$6400.00} EDFINANCIAL XXXX XX/XX/2018 {$4500.00}
Product: Checking or savings account

On XX/XX/2023, I called Bank of America ( BoA ) because I had unauthorized charges on my debit card. These charges were made to a XXXX account using my information to send a complete stranger money. I filed a fraud claim and was told that a decision would be made in the following months. Shortly after the incident I was credited the money that was taken from me ( about {$3000.00} ). I contacted the bank to see how long I should wait to use the credited funds, and they told me I could use it as soon as I wanted! Which I did. Now it is XX/XX/2023 and because BoA decided that those charges were authorized ( which they weren't! ) my account is now - {$2000.00} in the red. I have made countless attempts to get this decision reversed because I had to get this issue escalated to the FBI for further assistance. I was told the process would take time, but it doesn't seem fair to me to live off of a negative balance for the duration of the investigation!
Product: Student loan

I have been attempting to have my loan forgiven under the PSLF waiver since XX/XX/XXXX. I have worked for the federal government and been paying my student loans for 20 years, but I was under the wrong repayment plan, so I should be covered by the waiver. However, because XXXX, my previous servicer, only supplied 3 years of payment information ( XXXX ) to XXXX originally ( XXXX is the servicer who I consolidated with so I was under a direct loan to be eligible for the waiver ), I have now become entangled in some forgotten web of reconsideration. The federal loan servicer contract was moved to Mohela. Prior to moving to Mohela, XXXX stated they only showed I had 39 payments because they only had payment history from XXXX from XXXX, but they could see that I began paying in XXXX, so they told me to request a reconsideration with the Department of Education ( which I did in XX/XX/XXXX ). I have requested a reconsideration but have not heard anything. I requested XXXX send me my loan history and they supplied payment information going back to XXXX so they had the information and just didn't supply it to XXXX ( I supplied to both the Department of Education and Mohela, but they need it directly from XXXX ). I have called Mohela several times since my loan was transferred and I keep being told that it is being processed. However, today, I asked to speak to a supervisor because my loan payment totals have not changed since the initial incorrect count so it does not appear that anyone is doing anything in the review. I waited for 2 hours to speak to a supervisor and when I did, XXXX the supervisor, told me that Mohelas contract does not apply to consideration of the waiver for pre-consolidation payments ( XXXX ). He told me that that Department of Education is the only one that can apply the waiver and that I had to call them. He provided me the Federal Student Aid Ombudsman Group number, XXXX. I then called them. The Ombudsman Group says Mohela is the only one that can apply the waiver, that they cant provide me any information about my request for reconsideration case # XXXX, and that they dont know why Mohela told me that because Mohela is responsible for considering pre-consolidation payments. At this point, no one is willing to review my full loan history and apply the waiver. Mohelas supervisor was adamant that their contract does not apply to any loan payments prior to my XXXX loan consolidation. Im seeking your assistance in having someone at Mohela review my file and apply the waiver to forgive my federal loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Navy Federal Took {$4500.00} out of my savings account without my consent or knowledge after verbal agreement. They applied {$3500.00} to one card and paid the other off! I called tried to plea with them that was a non profit check to help me move and that I came in and had agreement to make payments when I deposit check but they disregarded. After pleading with them they applied {$1500.00} back to my account. I called back to ask why the changes not on my report after 30days they told me they will not update my account until I pay it off! Well they messed up and violated the fora law by reporting inaccurate information. They reported I only paid {$150.00} on XX/XX/2024. Well that is totally inaccurate. Ive paid between XXXX XXXX on this card and still have a balance of XXXX impossible! Navy Federal has been over charging me and other minorities triple the rate keeping us high in debt and drastically affecting our credit. I am a victim and I want to file and be apart of this class action lawsuit! Not only this card they have over charged me several times on my other card I recently paid off! I want these accounts off my credit report! I will be alerting others by social media and every other outlets Navy Federal Has XXXX of complaints and its not fair that they get to discriminate over charge and destroy customers and citizens of US! I want compensation for all my pain suffering denial homelessness loss of businesses!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered NATIONAL CREDIT SYSTEM {$15000.00}, XXXX {$0.00}, XXXX XXXXXXXX {$0.00}, XXXX XXXX {$0.00}, XXXX {$0.00} on my credit report from EXPERIAN. This is extremely embarrassing and concerning. EXPERIAN does not have my authorization to share my personal information. I will not be paying this alleged debt unless you provide a bill of sale, assignment, or any other agreement between you and the original creditor that proves your authorization to collect on this debt. I have reason to believe you are attempting to extort me by punishing me for non-payment on an extension of credit. Please be aware that under 18 USC 894, it is a crime to collect or attempt to collect by punishing a person for non-payment. Your actions have damaged my creditworthiness, causing me to be denied other extensions of credit that I am entitled to. You do not have my consent for these actions. If you claim to be the creditor, you will be held liable under TILA for any violations. Additionally, you are in violation of the FDCPA for harassment and for furnishing false and misleading information to third parties without my consent. Under the Gramm Leach Bliley Act, you must have my permission to share my financial information with a third party, which you do not have. Furthermore, under 15 USC 1681b, you must have a permissible purpose to obtain and use my credit report, which you have failed to establish. This message serve as formal notice that I will not be paying this debt and I demand that you cease and desist all collection efforts through all mediums, including credit repo
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$9400.00}
Product: Credit card or prepaid card

Applied for Wells Fargo credit card, on line account opened, unable to check account and use for balance transfer, spent hours on phone with customer service and get the run around. Website mobile app down, unable to see my account or use it. I should as a consumer access account. I want to cancel card but it will affect credit score, hard inquiry. I want it removed fully like I never applied for it, a consumer should be protected from fraud and not being able to access account, yet a card was sent and no help from wellsfsrgo. Please help and tell me what I can do to get rid of this night mare. Never had any issues with credit until well fargo, other consumers have same complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate the credit agencies needed proof of my identity and did not state that they received them by mail. The documents are include in this complaint so they can not say that they did not receive them XXXX and Equifax XXXX payment amount for child support reported by EQUIFAX and XXXX is incorrect and according to FCRA should be corrected and updated. I have documented proof but EQUIFAX and XXXX is not acknowledging the uploaded documents online. Equifax and XXXX is stating that my monthly scheduled child support payments is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payments and EQUIFAX and XXXX refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving XXXX AND EQUIFAX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at EQUIFAX and XXXX even though they used to show the correct amount on my credit report
Product: Payday loan, title loan, personal loan, or advance loan

I am currently working with XXXX XXXX for debt help. Lendmark financial was issued a letter stating i was working with beyond and to cXXXXntact them. Lendmark continually calls me and is now calling my employer.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report. Once I got it there were inaccurate information on it. There were XXXX accounts were not listed but they were listed on Trans union and or XXXX please review this inaccuracy and delete the inaccurate accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experian or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 602 A states that I have the right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 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

Company place debt on my credit report in the amount of XXXX and I have NEVER received contact from this company and have no idea who they are. Company has not responded to requests for validation. Credit report does not state what alleged debt is for, there was no validation received, and no notification was sent in the form of a letter from agency hindering my right to dispute debt before it was placed on my report. there was no initial contact made by company before debt was placed on my credit report. The alleged debt ( not verified by company ) was placed on my report and could potentially hinder future job promotion, placement, and/or housing for myself and children.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX  XXXX and XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 XXXX  and XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Money transfer, virtual currency, or money service

I bought a magazine subscription. I used my PayPal account to charge for the subscription. I then tried to add money to PayPal to pay for the subscription. PayPal refused to take my money and is beginning to charge me fees. I can provide you my checking account balances to show that I have enough money to pay the {$34.00}. They websites says " add money ''. I go through that service and the options are not available. 

I reached out to them via PayPal " contact us '' message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them on those days too but the automatic system hangs up on me. The customer representatives told me that the option is available for me to add money. I go back to their website and it is still not working. 

As per the customer service rep suggestion, I sent them a check on XX/XX/XXXX PayPal , Inc . 
Attention : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They wrote me : " Upon receipt, a personal check normally takes 7 business days to post to your account.

Upon receipt, a cashier 's check or a money order normally takes 2 business days to post to your account. 

Please keep in mind that, while your account balance is negative, any payments you receive in your PayPal account will be applied to the outstanding balance and any refunds you attempt to issue will be funded by an electronic transfer from your bank. Finally, please keep in mind that your account could be limited until the negative balance is paid. '' It has been three weeks. They have not taking my money XXXX source : XXXX XXXX  XXXX. 

PayPal is starting to charge me fees for my negative account that I try to rectify via all the means they provided. Please help me. I am very upset. As a legal immigrant, I do not want to do something that is not right and I feel that PayPal is taking advantage of me. 

I enclosed the print screen examples of what I go through the PayPal. The last print screen - " Fifth page '' - clearly shows that I have linked accounts. When I select them and then press " next '' -> nothing happens. There is no new page. I brought that to the company reps attention and they all told me that I am wrong ( I guess bevause I am an immigrant and dont write good ).
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED!!! 

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined and attached the following incorrect late payment below. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America Visa XXXX [ debited funds directly from my account ] disregarding the fact that I swiped my visa debit and it has a [ separate ] number for that reason. ( and I didn't open a direct deposit with the merchant in question : Receipt No. XXXX XX/XX/year> XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. UNKNOWN- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

Per the clerk of court they do not report public information to the consumer credit agencies as you can see in this letter attached they make it clear that this is not done per my credit profile the bankruptcy are both being reported illegally which violates my rights as a consumer this needs to be investigated and deleted immediately.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. XXXX XXXX XX/XX/year>
Product: Credit reporting

The following credit inquiries appeared on my Equifax credit report that are the result of fraud/identity theft. I 'm seeking assistance in the immediate removal of these inquiries from my Equifax credit report : XXXX XXXX XXXX made on XXXX/XXXX/16 ; XXXX XXXX made on XXXX/XXXX/16 ; XXXX XXXX made on XXXX/XXXX/16. In addition, I have a fraud alert filed on XXXX/XXXX/16 with Equifax alone with a policy report completed on XXXX/XXXX/16. I 've even completed a formal investigation request with the FTC as my identity has been stolen and my personal information has been sold to potentially multiple people. Your assistance in getting these inquiries removed from my Equifax Credit Report is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lowes consumer credit card inquiry on my report.they have no record of the application but it shows on my XXXX XXXX XXXX I call the customer service twice and found nothing
Product: Debt collection

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX # XXXX XXXX XXXX : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>