23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/20 I sent an email to ( XXXX ) that I was advised to do so by a representative. I advised that I have always used bill pay via my bank XXXX XXXX and never was received late fee until XX/XX/XXXX when the payment was sent out a day earlier ( XX/XX/20 ) than the payment in XX/XX/XXXX ( XX/XX/20 payment sent ).  I received a response on XX/XX/20 saying they aren't able to locate my account which I replied with all information they required ( full name, address, phone number, full account number and confirmed email. Received another email requesting more information and documents that didn't seem necessary for a simple late fee refund that shouldn't have been charged in the first place. I than replied asking for a supervisor to call me ASAP to discuss and hopefully resolve the issue via telephone and nothing, I called in to XXXX to speak to representative and phone call was disconnected. I than sent another email on XX/XX/20 requesting for a call since they disconnected my call the last time I called in trying to discuss the situation. Since than, I believe they have illegally took a portion of my normal payment to pay late fees and charged me another late fee because they took money from my normal payment that was paid in full and applied elsewhere/fees. They are charging additional illegal fees and not helping consumers even during a national pandemic. I finally got to a supervisor today XX/XX/20 explaining the situation and wasn't helpful asked to speak to a supervisor and said would forward a message but couldn't give me a name or telephone that i could be expecting a call. asked for his information to keep for my records and he advised he didn't have to give me that information and would pass the message along. Very rude and unethical procedures this company has shown. I have always paid my monthly payments on time and in full and have received the worst customer service in my life, I hope there is legal action taken against this company and they pay for there wrong doing. Also check the XXXX with same complaint, I wish I had read the reviews before accepting a loan with yamaha.
Product: Student loan

I came across financial difficulty. When I attempted to lower payments or work out an agreement navient would always push me to deferment or forbidance. They have always reported me late to the credit bureau, charged a TON of interest, and late fees. Was not willing to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very frustrated at this time, my concern was not properly handled by Equifax and XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting alws and requisite standards. The accounts XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are payment history were not correct and is not a charge off. Charge off but with balance? Is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Product: Credit reporting or other personal consumer reports

XXXX XXXX : I have no accounts with them but there is an hard inquiries on my Equifax credit report. XXXX XXXX : I have no account with them but there is an hard inquiries on my Equifax credit report. XXXX XXXX XXXX XXXX never heard of this company before but there is an hard inquiries on my Equifax credit report
Product: Credit reporting or other personal consumer reports

Equifax sent several letters stating they have no credit file for me. 

This pertains to the following accounts : XXXX XXXX acct ending XXXX amount {$660.00} XXXX XXXX acct ending XXXX amount {$3800.00} XXXX XXXX amount {$260.00}
Product: Consumer Loan

On XX/XX/XXXX I formally communicated to Prestige Financial and the CFPB if all efforts to collect the debit for our auto loan all communication going forward was to be done by EMAIL or Mail only. Please refer to claim # [ Case number : XXXX ] due to repeated harassing and back to back phone calls from Prestige Financial account managers. At that time I received confirmation from XXXX XXXX Compliance Officer Prestige Financial Services , Inc. our account would be flagged and alerted our account should be handled with Email/Mail communication only. Within this past week Prestige Financial account managers have made repeated back to back harassing phone calls to both my husband and my cell phones in addition to emails. My husband spoke with them on XX/XX/XXXX, XXXX, Incoming XXXX 2 mins. advising them payment would be made on XX/XX/XXXX when his VA XXXX benefits are deposited into our bank account. Within less than 7 days and the fact that on XX/XX/XXXX my husband advised when payment would be make to bring the account back current we received several more calls regarding the payment. Here 's is the documented harassing call log from our cell phone provider : XXXX call log XX/XX/XXXX, XXXX Vm Retrieval XXXX XXXX Voicemail XX/XX/XXXX, XXXX Incoming XXXX 1 -- XX/XX/XXXX, XXXX Incoming XXXX 2 ( Again my husband advised payment would be made on XX/XX/XXXX ) Today XX/XX/XXXX XXXX Incoming XXXX 44 sec XX/XX/XXXX XXXX Incoming XXXX ( call sent to voicemail ) In addition to the email received : Are you still interested in securing your account? I 'm happy to assist you but I need a URGENT RETURN CALL to avoid further escalation. I need a call back today thank you in advance.-XXXXXXXXXXXX XXXX XXXX Account Manager Prestige Financial Services , Inc .
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Debt collection

This company CHOICE RECOVERY which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm on XXXX XXXX but for some reason you won't let me dispute the problems directly on the website but there are multiple issues 1. ) XXXX XXXX XXXX says I owe {$360.00} says original creditor is XXXX but I've never had a XXXX card as you can see there is no XXXX cards listed on my credit report I was a victim of identity theft a few years ago I don't know if this has anything to do with it or not but this account with this collection agency does not belong to me and if XXXX thinks that I owe money than they need to contact me I'm requesting this be removed from my credit report as soon as possible 2. ) There are two XXXX XXXX XXXX one says I owe {$2400.00} the second one says I owe {$6600.00} these were part of the identity theft that happened back in 2016 for the life of me I do not know why they're still being reported the accounts didn't belong to me whenever they were opened and they still don't belong to me they need to be removed from my credit report immediately unless you have some proof that they belong to me if you don't have any proof then remove them please as soon as possible 3. )  There is a closed XXXX XXXX XXXX account says that I owe {$5200.00} this was also part of the identity theft every other bank realizes that this account was not mine and it's been removed I do not know why it keeps getting reported so far at the bank has not been able to provide any evidence any signatures anything concrete that proves the account is mine everything they have is circumstantial doesn't really prove anything they have account statements well yes whoever the thief was was using the card of course you have account statements unless you have some proof I want this removed immediately even the police are aware that back in 2016 I was a victim of identity theft everybody was aware of it we're going on three years later and you still haven't fixed this I'm not going away until it gets fixed this account does not belong to me
Product: Student loan

On XX/XX/XXXX all payments and interest should have been stopped on all federal student loans by order of the federal government. AES, my loan servicer has continued to seek payments, collect interest, and capitalize on that interest. They also say I'm 2 months past due and owe them {$150.00} on XX/XX/XXXX. They have also been harassing me with numerous phone calls resulting in me having to send all calls to voicemail. All of this should have been stopped, period.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is reporting a credit card account that I never applied for. It is said it was opened XX/XX/2014 with a balance of {$5900.00}
Product: Credit card

On or about the late XXXX early XXXX I noticed some unauthorized transactions on my credit card account. I paid the account unaware of the additional charges, then cancelled the payment. Ive been waiting 8 months for them this account. But they keep insisting I pay the account until the investigation is over. Yet every time they call, I ask for arbitration and my calls are dropped. As a result of their failure to properly address this account and refusal to allow me to seek resolve and thier continuation of breaching the agreement for unauthorized transaction. Theyre attempting to intimidate me to pay these charges and if I dont, theyre charging me interest on the account, reducing my usage across other non related accounts, reduced my credit usage, reduced my credit rating, threaten to close the account, refuse me access to other accounts with Amex, threatening to send the account to collectionsand refusing to allow me to make contact with arbitration.
Product: Debt collection

I have been in contact with XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX dealership in XXXX XXXX, CA to resolve an outstanding amount of {$1000.00}. I have had many many phone calls, emails, and correspondence with all three over the last few months and need this issue to be resolved. The following is the information I have collected and noted after various phone calls and group calls with all of these entities. 

XXXX XXXX has taken me to collections for {$1000.00}. XXXX XXXX claims the {$1000.00} is because XXXX noted there was a previous claim taken out on the XXXX XXXX XXXX in which the damages were not repaired. This is incorrect and a letter from XXXX is attached stating so. This needs to be fixed on Nissans end. XXXX XXXX claims that my XXXX XXXX XXXX XXXX has no GAP. This is also incorrect. Email correspondence that I had with XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX also states this is an error. I also spoke with the manager, and the salesperson who sold me the lease, XXXX XXXX. The two of them along with Finance Director, XXXX, XXXX clearly stated to me, in person, that ALL California Leases with Nissan automatically come with GAP insurance. They reassured me over and over that this is the case. They printed my contract, read it with me, and showed me in person that I should not be held liable. They said it doesnt make sense that I am being charged for anything as I held full coverage with XXXX, had paid everything to XXXX in order to close my account with them, and that all Nissan leases in California DO come with GAP. Again, this is coming from XXXX XXXX XXXX where I leased the XXXX from. I faxed XXXX XXXX and told them to follow up with them on this to resolve it and never heard back. XXXX XXXX has told me on the phone and through correspondence with XXXX that they were in fact underpaid by XXXX, and not by me, therefore, I do not owe the debt being collected by Nissan. XXXX says they paid out Nissan when Nissan requested the amount in XX/XX/XXXX when the car was totaled, and that if Nissan believes that XXXX owes them money, then Nissan is the one who needs to contact XXXX to fix this instead of taking me to collections. Nissan states a deductible was not paid, XXXX says it was paid. Nissan needs to resolve all charges with XXXX, as no claim has ever been taken out on the XXXX XXXX previous to the total loss in XX/XX/XXXX and there were no pre-existing damages to the vehicle. 

I will include personal notes I have taken over time, the email correspondence I had with XXXX XXXX XXXX Finance Director XXXX XXXX, and with the representative, I spoke with at XXXX, XXXX XXXX. The letter from XXXX showing I have no outstanding amounts due at XXXX and that the only claim ever to be taken out on the entire history of the XXXX XXXX XXXX was for the total loss of the vehicle. Previous claims for any pre-existing damages never existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several FCRA violations and still will not removed it. 

On XX/XX/XXXX and XX/XX/XXXX I sent letters and supporting documentations certified mail in regards to a disputed item. 

Items disputed : US BANKRUPTCY COURT-XXXX  XX/XX/XXXX and US BANKRUPTCY COURT XX/XX/XXXX Equifax continues to respond as verified but they never verified it. I sent letters twice of method of verification as well as the courts do not provide information with the full social number unless the person or company file a motion plus do not verify information with third party and credit bureaus so they basically did not verify to see if this similar name is mines. 

Plus, said was verified by XXXX XXXX who i contacted by mail and told asked for the same thing and sent same supporting documentations. 

XXXX XXXX respond by mail stating they removed it and stated by mail do not have disputed item any longer. 

At this point it has been more than past 30 days and still no change and deletion from equifax.
Product: Student loan

Greetings, I am including my congressional representative in my correspondence since he has been with me in this and guiding me in the process ( Rep XXXX XXXX ). 
From the beginning : I cosigned a student loan ( approx XXXX ) in XXXX for my ex wife with Navient ( XXXX ) I divorced in XXXX ( XXXX yrs ) I found out she has not been paying the loan, and it is now near XXXX ( last few yrs ) I have been barraged by calls from Navient to repay the loan. ( ongoing for the last few yrs ) I contacted Rep XXXX ' office, and they were able to get an advocate involved from Navient ( XXXX XXXX ). XX/XX/XXXX In the meantime, the loan has been moved to Navient Recovery. ( XX/XX/XXXX ) I offered to use one of the vehicles that Navient has available- " Cosigner release '' ( 12 months of payments in ordere to get released from the loan ). 
I offered to pay the 12 months + 8 months ( missed payments ) to resolve the matter on my end ( approx $ XXXX ) ( XX/XX/XXXX ) I was told that since it moved to Recovery, that was no longer an option, and that the payments had to be made by my ex-wife to be considered ... huh? ( XXXX XXXX ) She ( XXXX XXXX said I MAY Be eligible for " cosigner waiver '', but I had to go through the recovery department. ( XXXX XXXX ) Congressman XXXX office went and got AN ADVOCATE in company to avoid the run around I am experiencing. 

That is the short version. Navient has ruined my credit, and turned this into a nightmare. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXL Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXL Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX OF XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few years I've been reporting over and over again that I was placed into a hardship forbearance for my student loans and did not have to pay. XXXX and Equifax are both reporting my credit as being late 30,60.90,120 days late and this is destroying my ability to do anything - I have no late payments on my credit report except for this false information - Yes, the payments will still be there but they should be blanked out with no information for all of the months that I was on forbearance ; not show up as late payments - I wasn't late Attached will find the XXXX document ; along with screenshot of how it appears on my credit report
Product: Mortgage

In response to my request for loan modification, and after several rounds of XXXX/PHH admitted " errors '' ( in which XXXX/PHH violated each and every letter of consumer protection laws ), XXXX   send a letter dated XX/XX/XXXX. It states : " Following the review of your last application for Homeowners Assistance, which was denied on XX/XX/XXXX, it was determined that ERRORS were made in the last determination. An underwriting policy CHANGED was made on XX/XX/XXXX, and with it, the computer program used to analyze loan modifications was also CHANGED. REGRETTABLY, ERRORS were found in the data inputted ... resulted in your failure to qualify under the housing-to-income ratio .... '' Capitalization is mine.

XXXX  then offered a bizarre ( interest rate only ) modification. Still, I requested the full terms of the modification agreement. XXXX   refused to provide it, stating that I have to accept the modification and 3 months later I would see the terms. That was both illogical and illegal. I refused to accept this entrapment.

My refusal to accept the 'offer ' notwithstanding, XXXX/PHH on their own and without my knowledge and consent cancelled the ACH automatic debit in effect for 14 years uninterrupted, reported me to credit agencies as delinquent, and ruined my credit to the extent that I could not get a loan to exit XXXX/PHH fold. XXXX/PHH have been consistently advised that they can withdraw the funds anytime. They refused.

In canceling ACH without my consent, XXXX/PHH violated the law and their own agreement with me. I even furnished them with their policy terms. They are bad actors.

In response to my CFBP complaint # XXXX filed on XX/XX/XXXX in which I complained about XXXX/PHH ruining my credit and preventing me from getting a mortgage to exit XXXX/PHH trap, todayXX/XX/XXXX ( after 61 days ) XXXX/PHH responded stating : " On XX/XX/XXXX, you contacted our Customer Service Department via telephone and informed the representative that you wished to continue the direct debit since you had yet to reach an agreement on the trial modification. We regret that due to an oversight, we failed to process this request. '' This response in unacceptable. It fails to mention is WHY XXXX  /PHH , without my permission or consent, cancelled the ACH in the first place. It fails to mention how XXXX/PHH would compensate me for ruining my credit, preventing me from getting a mortgage, and who is going to pay for the higher interest rate now.
Product: Checking or savings account

{$350.00} over drawing around XX/XX/22 Originally the account was set up with the understanding NO over draft protection. When the bank representative asks the question we declined the service. The bank has changed names ( 3 ) times therefore I don't know if/ or what types of quarters they were under and making it affect the consumers. I tried to get the issues resolved in the bank unable to get the answers because either short staff, No manager, COVID, etc. Then when someone called inquiring about the account is when I found out the account was charged off. No one could ever say how the account became overdrawn when there is NO over draft protection on the account. This need to be corrected effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported I closed my credit card but I didnt close it. I paid it off.
Product: Credit card or prepaid card

I have had this card for 5 years and during that time paid it off multiple times. Wells Fargo has never lowered my interest rate and never offered me a promotional rate. They refuse to lower my rate and never give me a reason why. They keep telling me my account is reviewed periodically for promotional rates or to lower my rate, that is a lie! My account is never reviewed. My credit and history deserves a lower rate on this card.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX