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

I applied for a loan at cashnet USA online and was approved on XX/XX/XXXX and I get paid once a month because I get XXXX from the XXXX XXXX XXXX so I told the representative that I got paid on XX/XX/XXXX and I told the lady that I was going to pay a partial payment that consist of {$120.00} and the representative name XXXX told me since I get paid monthly that my next payment would be due on XX/XX/XXXX and since then I have received an email stating that I have another payment coming due on XX/XX/XXXX and I don't get paid like they have schedule because it has not been 30 days until I get paid again so I'm writing to see if they are in compliance with the truth and lending act because they are suppose to collect my payment according to when I get paid not before I get paid and cashnet USA pretend that the state of Louisiana gave them permission to collect money in 8 to 14 business days. This is very unfair to me because I have stretch my money from the XXXX of each month to the next pay day.
Product: Credit card

Ensuring timely payments on this account has always been my priority, and they have never been overdue. I'm uncertain about the reports of late payment remarks on my accounts. Based on 15 USC 1666b, these billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to XXXX XXXX to get my car repaired, XXXX XXXX failed to put a new radiator in my vehicle, they put in a old radiator and my car was not working, i had to go to XXXX XXXX to get car repaired, please see attachment, XXXX took out the radiator that XXXX XXXX  put into my car, the radiator that they put in my vehicle is non repairable, it was used Unfair and Deceptive Acts and Practices Statutes ( Laws ) XXXX XXXX did what we call a deceptive acts and practices ( sometimes referred to as UDAP ).. 

These laws address a wide variety of practices, including things like : XXXX XXXX failed to fix my issue and i had to take to a different shop to have repaired, they charged me XXXX and i want to be refunded for my funds immediately. 

i did not have all the monies at one time so i took out a loan from sunbit, and they refuse to close out this contract after showing them that my car was repaired at a different shop and running just great now XXXX is notorious for lying to their customers in order to gain extra work for things that don't really need doing Sadly, this lead to me spending lots of money that i did not have. 

Breach - The mechanic breached duty of care with defective repair work Radiator was defective out the door, but he stated it was brand new XXXX XXXX XXXX have discovered that XXXX charged me for parts and services they did not provide. I have the defective radiator in my presence at this time. XXXX XXXX XXXX stated they will stand behind me.
Product: Student loan

I have begin paying my Citibank student loan since XX/XX/XXXX, religiously. The only times I have ever missed a payment is if I was having financial difficulties or was ill. In XX/XX/XXXX, my account was closed and transferred to XXXX which is a XXXX extension and still under Citibank. How are they allowed to close accounts and move around under different shadow names without being noticed. The original loan amount was {$6400.00}. I have now Paid over twice the amount of the original loan plus XXXX extra. I have noticed that every 3 months they increased my interest rate by .25 %. Not only that, but I printed my account payment for XX/XX/XXXX from my online account portal for one amount in late XX/XX/XXXX after XXXX and I received my bill in the mail for same amount due on same date for a different amount. On my credit report they have placed remarks such as affected by natural disaster and I have never disclosed anything of that nature to them. I'm just at my wits end with what they are doing. I want to know if this is right and/or legal? It can't possibly be!!! It states on my credit report for this account that I'm in a repayment term of {$110.00} x 240 months which equals {$27000.00} for a {$6400.00} loan which equals XXXX times the amount borrowed. Furthermore, if I even called to ask for some sort of leeway, there was no compromise and always an excuse as to why I couldn't get an valid extension. I can not access my Citibank account whatsoever to print out all my prior payment information. I have done this on my XXXX account to investigate why have my loan really not done much going down. I have realized that not only are they increasing the interest every 3 months but they are also not applying all my payments to my Principal balance but instead are apply most of my payments to interest. Please help me figure this out, because this XX/XX/XXXX makes 8 years with no end in sight. I honestly feel like something is not right. I am disgusted and desperate. 

These are the actual payments made each year. I have proof of everything. 

Year. [ Actual Payment Due ] = Estimated Amts PAID XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & [ XXXX for late payment ] = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX = XXXX [ XXXX, XXXX, XXXX ] = XXXX All Extra Payments XX/XX/XXXX _ XXXX, XXXX, XXXX, XXXX = XXXX Total Paid. XXXX If there is any further information needed. I will be sure to send it over. 


PLEASE, PLEASE HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago, I discovered that I have been a victim of Identity theft. I discovered that someone unknown to me used my personal information and good credit to get credit cards from XXXX XXXX XXXX XXXX XXXX, and Capital One Bank. Since I was not aware of these accounts. They all got charged off and some ended in collations. At that time I have filed an FTC Report and send it to the Credit Bureaus and Original Creditors. All except for Capital One has been removed from my Credit Files. I contacted Capital One and I told them, " I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account ; I therefore request that this account be closed immediately. I also request that CAPITAL ONE absolve me of all charges on this account, and that they take all appropriate steps to remove this account from my credit file ". I also sent them a copy of my Identity Theft Report supporting my position, also sent a copy of the FTC Notice to Furnishers of Information, which details their responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, they are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies their responsibilities when they receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information they provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection. I also request to investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. What did capital one did ignored all my communication and the only respond I got from them was a lawsuit documents from them and few months later a dismissal from their attorneys. I tried again dispute this account with capital one and credit bureaus and again I got the results that capital one has verified the account belongs to me, and I also the had sent me to collections. This is been a nightmare dealing with capital one for the past year, please help me
Product: Money transfer, virtual currency, or money service

1 ) Charging a higher CC rate % than promised in writing. 

2 ) Charging me for merchant company errors transaction fees. 

3 ) Charging me for service I didn't use.

4 ) Telling me providing customer service, when not providing.

5 ) Asking personal info on ACH like clients SS #, address.
Product: Debt collection

I paid my {$120.00} balance with Nemo 's Investigations & Collections on XX/XX/2023, I requested a deletion letter to provide to my lender on a mortgage application. I was told this would be emailed to me. When I received the email it was only a automatic payment receipt. I gave them 24 hours to send me the requested letter and never received. I called back on XX/XX/2023 and the man I spoke to was very rude. He notified me that they do no provide any deletion letters, and that the agent I made my payment with should have told me this and was not helpful. I still have the balance shown on my credit report and this is hurting my chance to purchase a house. I was never notified of my balance as well. I never received any phone calls or letters I had a balance. This company has no website and only a phone number that is hard to get through. You either have to select an extension or you are disconnected. I am afraid I made a big mistake paying this balance off to a scam.
Product: Consumer Loan

On XX/XX/XXXX I applied for credit at XXXX through Bank of America and was denied credit. The reason for the credit denial was I have current or past delinquency with XXXX or more of my creditors. I requested a credit report through XXXX, the same agency they used to deny me credit and there was NO negative info. I filed a chapter XXXX in XX/XX/XXXX, but its been XXXX years and I do n't see the negative info in my report.
Product: Credit card

On around XX/XX/year> my business credit account was hit with XXXX fraudulent charges that were made on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company took care of the charges as I was told it will take 30 days to investigate a matter and provide me an info regarding them. 
To this day I have received no info regarding the completed investigation ( if any ) and any info regarding my card 's use that was not authorized. 
I think I am entitled to the info as it might affect my credit rating and other privacy issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting Equifax, XXXX XXXX, and XXXX to stop reporting incorrect information on my credt report!
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to ensure that the erroneous items in my file are removed : 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 

I disputed the listed items in my previous complaint so I am complaining again for their erroneous information
Product: Mortgage

Upon trying to sell my house, it was found out that my payoff amount was higher than thought ... .Nationstar mortgage ( loan # XXXX ) shows an interset bearing principle balance of XXXX XXXX and a non interest bearing principle of {$79000.00} ( attached ) ... .Nationstar cant tell me what this {$79000.00} is and doesnt have any documents to provide..They told me to call XXXX XXXX ( loan # XXXX ) whom they purchased the loan from in XX/XX/XXXX ... XXXX cant seem to find out where this amount comes from ... when asked to provide proof of this with documents, they have not done so ... They sent what looks like an amortization schedule.. ( attached ) ..PHH took over the loan from XXXX XXXX ( loan # XXXX ) in XX/XX/XXXX ... I had a loan modification with XXXX ( attached ) and a loan modification with XXXX in XX/XX/XXXX, which I have no documents and XXXX hasnt sent ... .The problem is my total payoff with Nationstar is {$250000.00} and my loan originated at {$250000.00} in XX/XX/XXXX when I bought the house 10 years ago, and XXXX cant come up with proof or documents and neither can Nationstar, about this extra $ XXXX..Please note, when talking with XXXX, XXXX with litigation department, cut in and said XXXX doesnt service the loan anymore and can not give me documents
Product: Debt collection

Citibank called me XXXX times between XX/XX/2023 to XX/XX/2023 As well as left me XXXX voicemails in that time. 
When I called Citibank to complain about the harassing calls, they informed me they were not required to notify me of FTC regulations and or should they had any knowledge of FTC regulations.
Product: Debt collection

Requesting a copy of letter that verify that ic system actually owns debt by providing a copy of the original purchase agreement, agreement must be signed by creditor and signed by all parties involved. I am requesting deletion of all prior made to any consumer reporting agency XXXX, XXXX and XXXX must cease collection effort until This allege debt is validated, must show that you own debt with accuracy. 
These are a few violations that Ive notice on said account.

15 USC 1681 ( 2 ) ( A ) ( I ).

15 USC S-3 .

15 USC 1666b 15 USC 1692c Thanks for your understanding.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) this is my ongoing attempt to resolve and correct this injustice. Attached are the Denial Notices that should have been offered with Complaint XXXX. These Notices will be added to the already numerous amount of Credit inquiries that currently exist on my Credit History Report which I have been told will remain on the Report for a period of ( 2 ) years. The Credit Denial Notices are based on unlawful and outdated information that was supplied by one of the Credit Reporting Agencies ( Trans Union, XXXX and XXXX ). The behavior of these agencies is causing additional inquiries to be posted to my Credit History. It has been my experience that these agencies take turns sharing erroneous information acting out and a reflection of their own prejudices. For the record the Denial Notices indicated that the Creditors supplied with Credit History information indicating that there are and was Delinquencies, public record or Bankruptcy. This incorrect and erroneous information was supplied and offered by XXXX. Many attempts have been made to clean and correct the Credit History File over the past 10 years, what XXXX claimed took place almost ( 40 ) years ago and the sharing of that information was irresponsible, irrelevant and prejudicial. However what occurred was a Bad Creditor forced me into the Delinquencies and Bankruptcy and for the record I want except or tolerate any Creditors who hide behind bogus agreements and faulty merchandise just like Credit reporting agencies who erroneously and falsely share unlawful and outdated information. The Denial Notices offered the erroneous explanations for why the Credit Applications were DENIED however the bad behavior of Trans Union, XXXX and XXXX failed to stop or discourage XXXX XXXX from approving the $ XXXX Loan. XXXX XXXX approved the vehicle Loan Applications withstanding the current false and erroneous information that was offered by Trans Union, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX  XXXX XXXX and the credit bureau TransUnion. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report.

2. **Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA.

3. **New Jersey Consumer Fraud Act ( NJCFA ) : ** The NJCFA prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information
. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law.

Despite disputing this information with the credit bureau and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.
Product: Credit reporting, credit repair services, or other personal consumer reports

My full legal name is XXXX XXXX XXXX. XXXX, XXXX and TransUnion incorrectly list my name as XXXX XXXX XXXX. Please help me to correct and restore the accurate spelling of my name on my credit reports generated by XXXX, XXXX and TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay so I disputed XXXX charges XXXX was XXXX dollars from XXXX, XXXX  one was XXXX dollars withdrawn and the XXXX  one was XXXX from XXXX. They had send me an email saying they can not honor my claim and give me back my money back because they think I made those XXXX purchases which I did not. They think I did it because I have my card with me and I had told them that my information was compromise that a hacker couldve got my information. Also this is my second time the bank is not giving me back my money. The first claim that they did not give me back my money was for XXXX for XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

There are mistakes appeared in my report. I have never paid late these account ] :   XXXX   XXXX    XXXX  -  XXXX   XXXX    XXXX   -  XXXX   XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  -  XXXX
Product: Vehicle loan or lease

TD auto finance has been charging me a return fee of {$30.00} every month. They failed to tell me that my bank account had to be a personal account in order for it to be used as a form of payment. I have been using my business checking account which has my name on it as well. The charges get returned, then they charge me {$30.00} for returned payment when in fact I have enough to pay off the loan multiple times over. Then on top of that, they charge me a late fee because the payment didnt go through due to them withholding crucial information regarding the type of account that needs to be used to make the payment from. I called customer service at XXXX on XX/XX/2023 and representative told me that thats why you have those fees. You should use a personal account I asked how was I to know. She started saying well I mean *** you can see on all those dates when I paid, there was sufficient amount in the account. The payment was also processed and posted to the account in XXXX. So it seems to me that they are intentionally not taking the money and claiming that payment is being returned so they charge the fees. 
***** See attached photos. 

I have been charged hundreds in unjust late fees and return fees. Any help is appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with REC MGT CORP ( Original Creditor : XXXX XXXX XXXX ), RECEIVABLE ( Original Creditor : XXXX XXXX XXXX XXXX ), and REC MGT CORP ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, REC MGT CORP ( Original Creditor : XXXX XXXX XXXX ),  RECEIVABLE ( Original Creditor : XXXX XXXX XXXX XXXX ), and REC MGT CORP ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX  appeared on my report with a balance of {$12000.00}. I submitted a report with CFPB case number XXXX and received the attached report from XXXX XXXX  XXXX with no record of the account.
Product: Credit card or prepaid card

Nearly two years ago, I worked with Synchrony Bank regarding an issue with my Banana Republic card. I had contacted Synchrony to close my card and visited Banana Republic in store, but was told multiple times that I had a {$10.00} credit on the account by sales associates and the bank and encouraged to keep it open. This {$10.00} credit was rewarded credit earned through purchases on the account. <P/>
As a result, I was quite surprised to learn in XX/XX/XXXX 2014 that I had a delinquency on my credit report. The total amount charged on the account in question was {$3.00}. I still had a {$10.00} credit on the account which was not applied and did not reduce the balance, which should have been XXXX. After interest and fees, I paid {$16.00} and was told that Synchrony bank would rescind the delinquencies from my credit report. <P/>Unfortunately, I recently reviewed my credit report and found the amount was still there. This has negatively impacted my credit by over 100 points. Prior to this incident, I had paid my card on time and have had no other issues with this card or any other credit card that I have ever owned. I also never received my {$10.00} credit. <P/>I believe that this error has caused undue hardship and has been inappropriately assigned to my score.