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

I applied for a personal loan at One Main Financial that I learned about through XXXX XXXX on XX/XX/21. I learned I was approved for {$3000.00} more than the {$9000.00} I requested. The interest rate on XXXX XXXX 's page listed this particular loan at 16.97 %. There were many other loans offered by One Main and other companies. I was contacted by the local branch in XXXX the following morning and I was informed by the office manager " XXXX '' that the rate was 23 %. She stated she was not aware that One Main ever offered a loan at 16.97 %. I felt like it was not a misunderstanding or honest mistake. She offered the explanation that XXXX XXXX may have misrepresented the terms of the loan. I explained that I was looking at the information and terms on XXXX XXXX 's site and One Main did not even list the interest rate at 23 %. They actually did not have the rate listed anywhere other than on XXXX XXXX 's page at 16.97 %.. Again I believed it was intentional and if they were interested in having me know the full terms of the loan they would have included the information when XXXX XXXX sent me to their page to complete the application. I applied with the understanding that the loan would be at 16.97 %. There were several offers on the same page less than 23 %. I would not have One Main check my credit and have to deal with a derogatory mark on my credit for a 23 % personal loan. After not getting any satisfaction at the local branch and being refused the contact information for a supervisor above " XXXX '' I was given a ( XXXX ) XXXX phone number that served no assistance and I am currently waiting for a manger to call me back because the " two '' of them are in a meeting. I sent a screenshot to XXXX at the XXXX branch to show her the rate listed is in fact 16.97 %.
Product: Checking or savings account

On XX/XX/24 I traveled to XXXX Texas for a family vacation. I went to the XXXX gas station to get gas and reader stated that to see cashier upon going to the cashiers station I was told that my card was declined due to insufficient funds knowing that was not accurate I contacted a representative over the phone with US Bank the rep stated that my card was deactivated because a new card was sent it. I tried to explain to the rep that I didnt receive a new card in the mail and that I was out of state with no other means of funds she stated she was going to locate a branch near me however there was not one available in the city I kindly asked her to please reinstate my card as I have No way to navigate the city nor funds to get back home she stated that I should just access my account online and XXXX XXXX myself money I asked did that make sense for me to have to pay to access my own money when I didnt deactivate my card nor was I made aware of the situation especially when I had visited a branch XXXX this week and no one in the local branch had said anything to me about it. She said well Im just trying to help you get your money. Im very upset so I discontinued the call with the rep
Product: Student loan

I wanted to apply for the XXXX XXXX program. When I tried to use the website that I had been directed to ( https : //myeddebt.ed.gov, https : //myeddebt.ed.gov/borrower/, https : //myeddebt.ed.gov/borrower/ # /sendemail ) and other subdomains, the entire website was broken, and it was not possible to send an email. I used developer tools on several browsers and made sure that there was no XXXX activated. Still, there was nothing being served by the given url. This caused considerable stress and disrupted my ability to handle other critical tasks. 

When I subsequently tried to log into the site, the next day, when I had been told that the site was now functional, there were additional issues.
Product: Student loan

My payments to Nelnet are due on the XXXX and the XXXX of each month. ( I have Parent Plus Loans for my XXXX children from XXXX XXXX, XXXX XXXX and XXXX University, XXXX ). I pay my loans mid month due to the different pay dates on the loans. I usually pay more than what is asked. Last month I paid on XX/XX/19. It said I owed {$1600.00}. I paid {$1700.00}. I even put XXXX toward one loan that is still in Deferment. I checked how much I owed on XXXX. It was just over {$1500.00}. I checked again today and it not only says I owe {$1600.00}, but it also says I have a late payment due of {$580.00}. I wrote the company and called. I was on hold for 10 minutes and could not stay longer as I was at work. I have written the company numerous times for other reason and it takes much to long to get an answer ( 15 days ) and they continue to not help but end their letters with " We want to help you. If you have any problems let us know. We can help ''. My account # is XXXX. I need to know why I can not figure out where the late payment is coming from and when did it appear? There is no way to get that on line and there is no way to find a history of what Nelnet has done to the account that has caused this change. The last payment was due XXXX. I paid more than what was due on XX/XX/19. How could I possibly have a late payment. Every time you check your account with this company the amount due is different. I do not who can possibly check to see if they owe money on a daily basis and keep sending money??? There should be an amount due on a specific date and that's it. This company is impossible to work with and impossible to keep track of. This is simply not right and needs to be addressed. How am I supposed to budget for this? I want to pay for my children 's education, but they are making it impossible to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX has reported delinquencies and my credit file ( with Transunion, XXXX, XXXX ) and continues to post this account as an active account and the account is charged off & closed since XXXX ( {$14000.00} my file saying that I owe after the vehicle was repossessed, and the finance amount was allegedly {$17000.00} ). The car was repossessed XXXX XXXX  XXXX, while my XXXX XXXX child sat in the passenger seat at XXXX-I filed a police report on that date against them as well. I have asked all 3 credit bureaus to investigate, to remove this item, and they have not complied. They are also in violation of Georgia law XXXX code XXXX. 

As of XXXX XXXX Transunion, XXXX XXXX XXXX has reported XXXX XXXX to all three bureaus that I owe {$240.00}, this is a closed collection. I have asked that it be removed, they have not complied. 

As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX, has shown up on all XXXX credit files as delinquent in the amount of {$1800.00}. This is incorrect information and I've asked for it to be removed. 
As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX has shown up on all 3 credit bureaus that I owe {$1800.00} I've never had a device with this company and I have asked that they remove this item multiple times. 

Transunion XXXX XXXX both have listed my student loans with Dept of EducationXXXX with incorrect amounts, dates & delinquencies. I have asked that they be removed. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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

This complaint is related to Ford Motor Credit. On XX/XX/2020, we contacted Ford Motor Credit as received a notification that our lease had expired. Please note that Ford Motor Credit automatically pulls our payments from our banking account. We had been in the process of working with a local dealership to transition to a newer vehicle just prior to the shutdown. The representative we spoke with offered an extension of the lease until XX/XX/2020 and we accepted. We then submitted the scheduled monthly payment by mail. We had assumed all other payments would be automatically pulled as we were not notified otherwise. After being unable to come to a lease agreement with Ford and opting for a different vehicle, we turned in our truck. Ford Motor Credit immediately reported our account as delinquent, a notice we received on XX/XX/2020. We contacted Ford on XX/XX/2020 and were told that we " should have been asked to provide verbal notification to continue to pull our payments automatically. '' However, we were not asked to provide that acknowledgement or consent. Further, the representative from Ford told us that because we have automatic payments and have always paid on time, we are " at the bottom of the list for notification. '' So, they acknowledged that they did not notify us when a payment should have been made. Had they notified us of the needed payment, we would have made it. Instead, they let two months lapse and only provided us notice of the late payment when we turned in the vehicle. Had we not turned in the vehicle, we may not have been provided notice for another 30 days. Our credit report has been impacted by their failure to notify us. While the rep communicated that the late fees would be waived, we do not believe this to be sufficient action. We would like Ford to correct the information reported to the credit bureau and, if possible, to waive the payments that were not truly late. The fact that they acknowledged their system and notification process was broken, but continued to report our information to the credit bureau is unacceptable.
Product: Debt collection

Name : Fairway capital recovery LLC Amount : {$120.00} Date : XXXX XX/XX/year> Out of nowhere Ive seen this on my credit report since then it never goes away, I got no idea where it came from.
Product: Credit card

After doing a hard credit check and pulling information from the credit reporting agency. I was approved for a credit card but I was told that Discover needed to further verify my identity by contacting the IRS I didn't like it but I said okay. ONE email was sent to me from XXXX and XXXX it was Discover 's form 4506-C this email asked for my password and since the email did not include any password notification or a link. I put in my XXXX password. I immediately got a alert that the application process had been canceled. I thought I'd try again and the same alert came up. I called Discover to question what had happened and after " 6 '' transfers and 3 dropped calls from their agents, I was finally informed ( rather harshly ) that Discover could not resend or request another 4506-C letter and it was unlikely that Discover would issue me a credit card.

Discover did a hard credit check and approved the application, they verified my identity and then emailed me a 4506-C which asked for a password DISCOVER never sent a password so how was I suppose to know what the password was? Now after all of this they aren't issuing a card after approving the application????? which had already been approved. I call FOUL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX XXXX and XXXX  account with every bureau, but specifically equifax for the past 90 days and they have done nothing! they have provided no proof of verification. i have sent several letters and contacted them. i HAVE ALSO CONTACTED THE CREDITORS DIRECTLY. The equifax staff hangs up on me and none of them offer assistance. I need XXXX  and XXXX XXXX removed. They have been removed from VERY bureau EXCEPT equifax who keeps updating those 2 FRAUDULENT, UNVERIFIABLE ACCOUNTS. I have attached proof of deletion from XXXX  and XXXX  of those two aforementioned accounts
Product: Credit reporting or other personal consumer reports

Could you delete these inquiries? I have no information about them, and the company acted without my approval.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 


XXXX. XXXX XXXX XXXX on XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX on XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a dispute letter to Equifax via Priority Mail that they received on XX/XX/XXXX ( See attached letter with USPS receipts ). It is past thirty days and Equifax refuse to respond to my dispute letter correct ALL of their mistakes. I requestd that Equifax do the following : Disputed Item 1 Incorrect address : XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 2 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed XXXX 3 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 4 Incorrect XXXX XXXX  XXXX bankruptcy  discharged Reference Number XXXX Date Filed XX/XX/XXXX Correction : My then attorney advised me that a XXXX XXXX bankruptcy  would remain on my credit report for 7 years not ten years. I was wrongfully terminated at the time by the XXXX XXXX XXXXXXXX, they refused to pay my medical and prescription bills, I was hospitalized TWICE for XXXX XXXX XXXX XXXXXXXX and immediately thereafter, I was placed in the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and XXXX. None, of the creditors listed on my credit report are listed on my bankruptcy  filing. I pay ALL of my bills on time and I am not delinquent on paying my bills Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. 

I have listed four ( 4 ) items that I am disputing and I am requesting that they be removed from my credit report. After the completion of your investigation, would you please send me a free credit report illustrating that all of the four ( 4 ) items have been removed and please include my updated credit score. I have attached a copy of my New Jersey drivers license, a copy of my passport, a copy of my social security card and a copy of my XXXX  cellphone bill ( 4-pages ) that contains my physical address. 

I am being harmed by Equifax illegal actions and I am requesting your immediate attention in regards to these matters.
Product: Debt collection

I do not recall giving permission to XXXX XXXX to release my medical information to a third party. Medical services rendered are not equal to fees charged in the amount of {$2000.00}. This issue was inquired about and disputed in XX/XX/2022. Dispute was closed with none of my inquiries being addressed. 


Please provide a breakdown of fees including any and all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to the third party
Product: Mortgage

Fifth Third bank is servicing my loan. Like all banks operating in todays market place, banks allow users or customers to pay their loan online through online bank. We can all agree, online banking is a standard in todays market place. Every bank EXCEPT Fifth Third bank makes it easy for customers to select or initiate automatic payments online through user profile or settings. 

Fifth Third has processes in place which make it extremely difficult for customers to sign up for automatic payments. They do this on purpose so customers do not sign up for automatic payments, are exposed to expensive fees, and then Fifth Third charges customers expensive late fees when they miss their payment or accidentally miss their payment. 

Fifth Third requires customers to print off a form, sign it, fax it or mail it. They do not allow an easy process such as online enrollment for automatic payments like every other bank. They also require sensitive information on the document such as account number, billing bank account number and routing number on their form. This leaves customers open and susceptible to fraud as the document that is faxed sits in a receiving fax machine for anyone to look at or simply gets lost in the mail if mailed. 

Fifth Third knows the game they are playing, they figure if they make it challenging for customers to sign up for automatic payments, let alone maybe some customers don't have a printer or mean to mail or fax and then exposes customers to expensive unnecessary bank fees. 

If Fifth Third gave their customers an online selection to initiate automatic payments then they would miss out on charging customers unnecessary late fees. 

Fifth Third is taking advantage of people, please do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF INCORRECT INFORMATION FAILURE TO DISCLOSE BUTTON AUTOMATICALLY CHECKED ON CREDIT APP AS STATED BY EMPLOYEES i, XXXX XXXX XXXX have been mistakenly charged for a credit card with synchrony bank whereas i gave no consent for all phone calls are and have been recorded by both parties. They have illegally reported that i was over my credit limit? for some reason without disclosing why. So when i did the research it came up that they have failed to disclose the charges of {$75.00} per month in fees for some card security attached to Syncrony Bank. 
The debt is being disputed and must be proven within the next 30 days. Verified and validated. 
FACTS WITH EVIDENCE : a. ] several hits to my credit report all three XXXX   XXXX and XXXX alleging that i signed up for this {$75.00} per month when i did not ever give consent. 
b. ] no proof of the debt alleged when disputed c. ] When the debt was disputed your clients continues harassing my credit reports sending me documents alleging i gave consent without ever providing a signature Damages ; cost XXXX XXXX XXXX to miss out on gaining solar with XXXX XXXX damage credit report legal and administration fees {$5000.00} so far i was only credited back {$1200.00} but that only covers one year they would owe me two years in the amount of {$1200.00} for XXXX. 

CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, the Defendants and their attorneys where served via USPS mail with Certificate of Service or certified mail as well form USPS XXXX. Signed by personnel. 

Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX # XXXX Phone : ( XXXX ) XXXX XXXX XXXX Nevada XXXX XXXX CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, I mailed a copy via USPS and electronically transmitted the attached document to the Clerks Office using the XXXX XXXX for filing and transmittal of a Notice of Electronic Filing to the following XXXX registrants : After it has been received and thereafter emailed thereto all Defendants herein this matter. Real Party ( s ) In Interest would prefer a quick resolution. 

This documents was delivered thereto the USPS office located on XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX by XXXX XXXX on XX/XX/2018.
Product: Credit card or prepaid card

I booked a flight using Capital One credit over Capital One Travel Portal for my wife, my daughter and I from XXXX to XXXX. Within 24hrs of booking this flight, I approached to airline and Capital One travel center but both of them denied cancelling and issuing full refund. Both told me that the type of ticket I selected couldn't be cancelled, or rebooked although it is against DOT policy. 
I booked a flight in US using US travel partner of a US based bank and US issued credit card. DOT policy must apply to my situation and they should have let me cancel my flight within 24hrs without any fee. Unfortunately, I couldn't cancel flight and I lost almost a XXXX dollars- I attached a snapshot of the flight booking receipt containing points I used and remaining portion I paid with credit card. In addition to that, I attached my credit card statement. 

Policy summary : hold a reservation at the quoted fare for 24 hours without payment or allow a reservation to be cancelled within 24 hours without penalty ( the 24-hour reservation requirement ).
Product: Mortgage

I am refinancing a reverse mortgage that my XXXX mother had on her home. The problem is that the payoff quote from XXXX XXXX had a " past due appraisal fee of {$700.00} '' which I and my lender questioned. We both do not know where this fee is from and was told that they are allowed to charge a 'past due appraisal fee '' even though an appraisal was never done by them. After trying to clarify the fee they agreed that is was an error and they removed the fee of {$700.00}. However, by the time this was corrected on XX/XX/XXXX, which the quote was only good through XX/XX/XXXX it was too late and my loan did not fund. So I called the following Monday XX/XX/XXXX to request another payoff quote that was good through XX/XX/XXXX. The faxed the payoff quote on XX/XX/XXXX with the added " past due appraisal fee of {$700.00} again. So, again I called and requested a corrected payoff quote without the {$700.00} past due appraisal fee and was told they would not remove it because they are allowed to charge this fee, which makes no sense. I feel that I am getting deceived by this company. Also, when asked if I can see the so-called appraisal they could not provide one and could not even give the name of the company who did this so-called past due appraisal.
Product: Credit reporting or other personal consumer reports

as per the guidance from the consumer financial protection bureau ( cfpb ) the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-debt final rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX to be blocked and deleted company information. Please delete the following accounts : XXXX  bal. {$1600.00} XXXX XXXX bal. {$270.00} XXXX XXXX bal. {$700.00} XXXX XXXX bal. {$270.00}