23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been making payments through the entire deferment stage. On XX/XX/2017 I called American Education Sercive ( AES ) to share that I made a payment on a deferred loan on XX/XX/XXXX. My deferment ends in XX/XX/XXXX. I asked, " How was the payment used, that I have a loan payment due and an interest rate payment due in XX/XX/XXXX. " ( See attachments ) XXXX employee number XXXX shared that the payment was not used to pay the interest rate that is due but placed on the unsubsidized accounts. I asked if there was an online format to pay the interest to prevent the addition to the principle and was told no. When asked if there was a way to have the payment applied I was told to send a letter. I asked if I should send a payment with the letter and it was repeated to send just a letter. The pleasant tone diminished when asked why a format does not exist online to pay the interest to prevent having an additional amount accrued to the principle and should I not send a payment with the letter? I was then told, yes send the document that says that " this is not a bill '' and to add a letter to ask that the amount sent in the mail should be applied to the interest. This mode of payment is not transparent when looking through the website. I was then asked if there was anything further that I needed and when responding no, the conversation ended. The site has a makeover, but no format to prevent the interest from being added to the principal when the loan comes out of deferment. I am working to pay off the loan and have the only option of the snail mail version without feedback. I do not see where I would receive notification that this payment was made unless I check my checking account for the canceled check and to double check the accounts to make sure that the balance does not have an increase. There should be a more effective way for this portion of payment when returning from a deferment.
Product: Debt collection

Midland credit management is adding additional interest in fees onto the original debt. They are also not reporting my full payments and increasing my debt through the credit bureaus. They are providing the credit bureaus inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I have had a good credit and always make payments responsibly. XX/XX/2020 I saw a fraudulently opened loan account on my credit report and filed a police report and ftc report, sent a copy to a PNC bank which claimed to be a lender. However there was no investigation open by PNC bank and they left the things as it is.
Product: Mortgage

A $ XXXX HELOC was opened on or around XXXX with XXXX XXXX. At some point the debt was sold to XXXX. Subsequently the market crashed and the property was " underwater '' with a primary mortgage of $ XXXX on the property valued at $ XXXX. This market crash resulted in this HELOC being charged off on or around XXXX. 

XXXX years after the debt was charged off, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX send letters threatening to foreclose unless payment is made in an amount exceeding $ XXXX. 

We believed this debt was charged off, and for well over 10 years did not receive any communication to believe otherwise. 

In blatant disregard of its obligations under XXXX, XXXX et al failed to send monthly statements yet it continued to assess interest and fees causing the balances to increase with no notice to consumer about the ballooning balance. 

XXXX et al 's unfair and deceptive practices also violate contract waiver principles, which prevent creditors and servicers from claiming amounts owed under a contract when they have failed to provide notice to the borrower of the accumulation of those amounts, especially, in this case, when they had over a decade to provide notice but failed to do so. This is in clear violation of the Truth In Lending Act. 

XXXX et al systematically and as a matter of routine practice failing to provide periodic billing statements to consumers for extended periods of time and then, suddenly, attempting to collect years worth of accrued interest and fees in addition to the principal obligations that were not actually owed, under direct or implied threat of foreclosure, constitutes an unfair and/or deceptive trade or practice. 

I have suffered severe emotional stress over this company 's unfair, deceptive and unconscionable attempt to foreclose on my property. I have lost time and money and the opportunity to sell or lease out the property due to their unfair and deceptive threats to foreclose. 

Multiple class actions suits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite XXXX letters being sent to all the XXXX credit bureaus, as well as directly to santander. 

Santander account number XXXX is reporting information inaccurately on all XXXX credit bureaus. 

On XXXX these are the items that are reporting inaccurately : account type open date is The number of months ( terms ) Last reporting date Date of last active Date of last payment Under the fcra is it illegal to report this inaccurate information.This is affecting my ability to get credit. Section 623 states that if an account can possibly be inaccurate, there must be an address conspicuously listed and if not, this account can not report. So this account should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

Fraudulent/Negative Accounts : XXXX XXXX Account Number : Account XXXX Balance : {$240.00} Fraudulent Collection Accounts : XXXX XXXX, XXXX Account XXXX : Collection Opened:XXXX Balance : {$4300.00} Fraudulent Collection Accounts : XXXX XXXX Account Number : Collection XXXX Balance : {$310.00} Unauthorized Inquiries : Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX XX/XX/XXXX Inquiry name : XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXXXXXX XXXX XXXXXXXX Inquiry name : XXXX XXXX Inquiry name : XXXX XXXX Inquiry XXXX : XXXX XXXX XXXXXXXX Inquiry name : XXXX XXXX XXXX Inquiry name : XXXX XXXX XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX XXXX XXXXXXXX Inquiry name : XXXX XXXX XXXXXXXX XXXX Inquiry name : XXXX XXXXXXXX XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Inquiry name : XXXX XXXX XXXXXXXX Inquiries 15 U.S code 1681n Infamis of pulls
Product: Payday loan, title loan, personal loan, or advance loan

XXXX. XXXXXX/XX/XXXX I applied for a New Business Loan, But i was told after 24 hr cancellation period, I did not " qualify for a business loan " so NetCredit approved a cash advance of {$1300.00} ( WITH OUT MY KNOWLEDGE OR AUTHORIZATION ). MY BANK XXXX MADE AWARE, CALL ME, AND ASK ME DID AUTH A CASH ADVANCE TO BE DEPOSIT IN YOUR CHECKING? I SAID, NO I DID NOT! THE AT XXXX XX/XX/XXXXKNOW I HAVE GREAT CREDIT SCORES, EXPIERIAN XXXX, XXXX XXXX, XXXX XXXX, NetCredit Transfer {$1200.00} XX/XX/year> At ( XXXX PM ) I CALLED SEVERAL TIMES A DAY, LEFT VOICE TO CANCEL CASH ADVANCE I DID NOT APPLY FOR, IT WAS UNTIL MONDAY XX/XX/year>, I SAID CANCEL THIS PAY DAY LOAN, LEFT SEVERAL VOICE MAILS, XX/XX/XXXXSaid ( NO ) YOU MUST CANCEL WITH XXXX HRS
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNT WAS OPEN WITHOUT ME KNOWING I JUST STARTED USING MY CREDIT
Product: Credit card or prepaid card

I was alerted by Capital One on Wednesday, XX/XX/XXXX of suspected fraud to my credit card. The credit card was originally a Cabela 's Visa ( ending XXXX ), however due to the XXXX XXXX XXXX   buy-out, the credit card portion of the company was sold to Capital One. They issued a new Master Card ( ending XXXX ), however they still allowed purchases to be made on the old XXXX Visa, even though it had been ended. 

The fraud was suspected to be {$320.00} from a " XXXX XXXX XXXX ''. No one in my household made that purchase. While looking at this, I observed one purchase for approximately {$100.00} had made it through. I called Capital One on the same day XX/XX/XXXX, XXXX EST, and alerted them to this. I was advised at the time both cards were now cancelled and a new one would be issued, and neither the XXXX Visa nor the XXXX Master Card would work now, and the fraudulent purchases would be resolved. 

Upon looking at my statement today, another fraudulent purchase of {$94.00} was made to the same " XXXX XXXX XXXX ''. The purchase details show the purchase was made on XX/XX/XXXX and posted XX/XX/XXXX, meaning they allowed my card to be fraudulently used A FULL DAY after claiming to cancel it. They are now giving me issues in trying to resolve these purchases and I do not feel they are doing near enough to protect my information. Any help with this issue would be greatly appreciated.
Product: Payday loan, title loan, or personal loan

I took out a loan with Big Picture Loans for {$600.00} to help me cover my rent. When I signed the agreement online I did not know that the interest rate would be an APR :  XXXX . Which is tremendously high. I have been paying at {$320.00} or more a month which has been affecting my other bills causing me to be late or short. As of now I have paid out {$1300.00} on a loan that was for {$600.00}. This is ridiculous and outrageous I have a child in College and one in high school and have been struggling. If this continues on I would have paid more than {$3000.00} on this {$600.00} loan.
Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Stat us 01  XX/XX/2017  {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 02   XXXX     {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 03   XX/XX/2017   {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 04  XX/XX/2017  {$600.00} {$1.00} {$160.00} {$160.00} {$590.00} Regular Current 05  XX/XX/2017  {$590.00} {$3.00} {$160.00} {$160.00} {$590.00} Regular Current 06  XX/XX/2017  {$590.00} {$4.00} {$160.00} {$150.00} {$590.00} Regular Current 07   XXXX    {$590.00} {$5.00} {$160.00} {$150.00} {$580.00} Regular Current 08  XX/XX/2017  {$580.00} {$7.00} {$160.00} {$150.00} {$570.00} Regular Current 09  XX/XX/2017  {$570.00} {$9.00} {$160.00} {$150.00} {$560.00} None 10  XX/XX/2017  {$560.00} {$12.00} {$160.00} {$150.00} {$550.00} None 11   XXXX   {$550.00} {$15.00} {$160.00} {$140.00} {$530.00} None 12   XXXX   {$530.00} {$19.00} {$160.00} {$140.00} {$520.00} None 13   XXXX   {$520.00} {$24.00} {$160.00} {$130.00} {$490.00} None 14   XXXX   {$490.00} {$31.00} {$160.00} {$130.00} {$460.00} None 15  XX/XX/2017  {$460.00} {$39.00} {$160.00} {$120.00} {$420.00} None 16   XXXX   {$420.00} {$50.00} {$160.00} {$110.00} {$370.00} None 17  XX/XX/2017  {$370.00} {$63.00} {$160.00} {$100.00} {$310.00} None 18  XX/XX/2017  {$310.00} {$80.00} {$160.00} {$83.00} {$230.00} None 19  XX/XX/2017  {$230.00} {$100.00} {$160.00} {$61.00} {$120.00} None 20   XXXX   {$120.00} {$120.00} {$160.00} {$34.00} N/A None
Product: Debt collection

I reached out directly to the credit bureaus in writing on XXXX, asking them to verify this account and they told me I needed to contact the company, so on XXXX, I reached out to the collection agency in writing asking them to please provide me with the full payment history leading up until the point of the amount they're saying is owed, I asked for a signed contract, their license and bond to collection in my state ; etcand if they couldn't provide me with the validation of this account to delete it from my credit report. I never received a response from this company, nor was this inaccurate account removed from my credit report.
Product: Credit card

My XXXX XXXX XXXX was closed by Synchrony Bank on XX/XX/XXXX, due to three failed autopay transactions : XX/XX/XXXXXXXX  {$410.00} ( Returned ) XX/XX/XXXX {$410.00} ( Returned ) XX/XX/XXXX {$440.00} ( Returned ) These payments failed because autopay was unknowingly linked to the wrong account ( XXXX ) instead of the correct account ( XXXX ). I was never notified of this change, nor did I authorize it. 

Despite the autopay issue, I continued making manual payments on time from account XXXX, as I always had. Synchrony still chose to close my account without allowing me to correct the issue. 

I previously filed a CFPB complaint, but Synchronys response did not address my concerns. They did not provide proof that I authorized the autopay change, nor did they allow me to appeal the closure. I request a full review of my case and documentation showing how and when autopay was modified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to experian, here is my tracking number XXXX on XX/XX/2023 however they said they completed the investigation and it was acurate, this is the second letter I send and they refuse to investigate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I asked them the following, 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual funishers of information. 3. The method of communication you used to verify the information 4. How they complete the investigation None of these questions where answered they just send me this for the second time ; ''The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details '' please see the letter attached and the accounts disputed. They didn't answered what we requested violating the law.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EQUIFAXs to be reporting correct and accurate information on my XXXX XXXX  and XXXX however they are NOT. EQUIFAX is reporting XXXX inaccurate late payment for the XXXX XXXX Colorado XXXX XXXX account closed on XX/XX/XXXX. This includes a XXXX day late payment posted in XX/XX/XXXX. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to XXXX U.S.C. XXXX ( d ) ( XXXX ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating XXXX XXXX. XXXX ( a ) ( XXXX ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe XXXX  and XXXX
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND THERE ARE MANY INACCURACIES.

I WANT THE NEGATIVE ACCOUNTS DELETED FROM MY CREDIT REPORT.

SEE ATTACHED UPLOAD
Product: Credit reporting 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$68000.00} XXXX  XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5400.00} XXXX XXXXXXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$6700.00}
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. See attachment
Product: Credit reporting or other personal consumer reports

XX/XX/year> I mailed Credco a letter to remove information from my consumer report. XX/XX/year> Credco responded by saying there was not enough information submitted to dispute my consumer report. I mailed them 3 forms of identity to validate it was I who sent this letter. I believe they want to delay the process of removing inaccuracies from my report and waste my resources because the letter was very clear of its intent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a consumer and natural person who is a victim of identity theft. Equifax, XXXX, and XXXX used and furnished my consumer report without my consent, authorization, or written instruction. These consumer agencies allowed companies to share my nonpublic personal information without my consent and also used that data to furnish. Congress confirms that the consumer has a right to PRIVACY! Equifax, XXXX, and XXXX has violated my federal right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information.The FCRAs purpose is to be sure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMERS right to PRIVACY! Equifax, XXXX, and XXXX are in direct violation of the FCRA and XXXX XXXX XXXX XXXX of 1999 by sharing and selling my nonpublic personal information without my consent.
Product: Debt collection

On XX/XX/2021 I, consumer XXXX XXXX received a letter dated XX/XX/2021 from LVNV Funding LLC attempting to collect an alleged debt. I did not request for them to send me any mail to my home or place of work. I am highly concerned about the safety and integrity of my privacy and I am disputing this alleged debt from the mentioned debt collector in pursuant to 15 USC 1692g. I strongly believe LVNV Funding LLC is in violation of several federal laws including but not limited to 15 USC 6801. They did not have my permission to have any access to my personal information and the access they have does not bring any value to me as consumer. I have material evidence that shows where they violated the federal law and used misleading tactics to attempt to deceive me into paying this alleged debt. The communication I received from LVNV Funding LLC violates 15 USC 1692c and is highly inconvenient to my peace of mind and privacy to my abode and place work. LVNV Funding LLC also violated 15 USC 1692b ( 2 ) stating to me the consumer by mail that they are attempting to collect debt several times in the postcard. The postcard that was sent to my address by LVNV Funding LLC was also in violation of 15 USC 1692b ( 4 ). LVNV Funding LLC used a branded logo on the postcard that was sent in the mail to my address that indicated they were in fact in the debt collection business which violates 15 USC 1692b ( 5 ). The language that was used in the postcard sent from LVNV Funding LLC was obscene and profane and did not bring any value to me the consumer, and the language used in the contents threatens to harm my reputation which violates 15 USC 1692 ( d ) ( 1 ) and 15 USC 1692d ( 2 ). LVNV Funding LLC posted discounted advertisements in the contents of the postcard to coerce me into paying the alleged debt which violates 15 USC 1692d ( 4 ). LVNV Funding LLC showed a positive balance in the contents of the postcard that was allegedly owed on. I am not sure how or why anyone would pay on a positive balance. Therefore the debt collector is in violation of 15 USC 1692e ( a ) and 15 USC 1692e ( 10 ). In the contents of the postcard, there were several mentions of other persons named as the debt collector as well as LVNV Funding LLC. They are violating 15 USC 1692e ( 14 ) and 15 USC 1692f ( 8 ) with these actions. The fact this deceitful postcard was made by LVNV Funding LLC and sent to my abode and place of work violates 15 USC 1692j. It is fact that LVNV Funding LLC violated several federal laws against me the consumer and it is fact that LVNV Funding LLC has a civil liability under 15 USC 1692k ( 1 ) ( a ) to provide a remedy for the damages and inconveniences they have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 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 an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

CONTACTED EQUIFAX FOR INQUIRY REMOVAL. ADVISED I WOULD NEED TO CONTACT CREDITORS DIRECTLY. DID SO CREDITORS NEVER RESPONDED NOR PROVIDED PROOF OF INQUIRIES. I WOULD LIKE THE FRAUDULENT INQUIRIES REMOVED ASAP.