23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loan is $ XXXX. The interest is $ XXXX for a total of $ XXXX. How is this legal? I just found out after 30 years that each time a loan changes in format, the interest capitalizes. This was never explained to me. For years, Navient and SAllie Mae have outsourced to people in XXXX to answer calls, who never explained this properly and I couldnt even understand due to their language barrier. Navient also allocate payments 70 percent to interest instead of the base. No company does this! This debt is preventing me from helping my son XXXX XXXX XXXXXXXX! for a place to live. This is the second time I am complaining. Why dont the politicians look into the ridiculous interest leaving people in debt? How is this legal? Bad business practices!
Product: Debt collection

The following letter of request was sent regarding account balance of {$3300.00}. 

Dear Collector, I'm unaware of this debt, I didn't have opportunity to dispute this information. If in fact you believe you provided the proper notification then please send me the " certified receipt '' with my name and address on it. If you are unable to provide the said document otherwise the noted account must be removed because this is a violation of the federal credit consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts 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, delete the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased this vehicle on XX/XX/2019 and still my loan is more than what was financed and have not even started paying the principle on it and I will have the truck for 4 years now and the balance is higher than when I bought it
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm respectfully filing this complaint due to numerous of failed attempts in the removal of a XXXX  Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.
Product: Credit card or prepaid card

On XX/XX/XXXX a scheduled payment of {$93.00} was sent to Capital One to pay the minimum balance for my credit card. The payment was returned for NSF as I was in the process of transferring banks. I was not notified, called, emailed, or reached out to about the payment rejection. I did not know that it was still linked to my old bank account and not my new account ( account closed due to fraud ). In XXXX my payment was rejected again, this time I was sent an email that stated it was rejected and then I received a notice from credit monitoring that my score had dropped. They put a 30 day late for the XXXX payment I was not notified about. I attempted to re-mediate the issue with capital one and they asked I dispute it but that it falls under FCRA and will remain. I have also not been notified of adverse action or information being furnished to an XXXX. This is in direct violation of the FCRA, Capital One has a due diligence requirement to notify their customers of adverse action, and payment issues. Despite having the app, and them having all of my contact info unchanged for the last 7 years they failed to notify me. 

They have failed to fix the situation and are asking me to go through a long dispute process. They refused to provide email or contact information for any individual or supervisor that could help with the process. They refused to provide an email for their executive offices stating there wasn't one.
Product: Mortgage

Mortgage rate of 10.040 %, Mortgage reduction program which double the interest rate to the present rate of 10.040 %. Which did not change a thing only a low mortgage payment and double the interest rate over a 15 yr. period. The one thing that I was seeking was lower monthly payments and a lower interest rate. It didn't happen.
Product: Debt collection

I've contacted Frontline Asset Strategies / XXXX XXXX XXXX about a XXXX   XXXX line of credit that was fraudulently obtained in my name. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for an extension of credit with CareCredit for a CareCredit card issued by Synchrony Bank and a few days later I received an adverse action letter stating I was denied. I am not attempting to be troublesome nor am I outright disagreeing with your companys decision. I would just like to know what laws or procedures were used to come to this determination. could you provide me with the exact subsection that was used? Can you also provide me with what part of the law says I have to abide by the credit score you choose to use, or that this transaction even needs to be reported. The cfpb states in XX/XX/XXXX Key Dimensions and Processes in the U.S. Credit Reporting System section 3.1.1 that credit reporting is voluntary and always has been which mean its not a determining factor so how are you judging based off of a voluntary system? company procedure does not supersede federal law. This is a direct violation of my rights of a consumer 15 usc 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 usc 1602 ( p ) makes it clear that you committed fraud and used my credit card 15 usc 1602 ( l ) ( social security card ) without authority, and I received no benefit with no statute of limitation on fraud this claim is still valid. 15 usc 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights. Now I would hate for this situation to escalate I am sure you are just doing your job but I am now holding Synchrony Bank criminally liable. I am willing to let all of this go does the right thing and reverses this decision thank you. Attached is the adverse action letter which serves as proof of the fraud youve committed and proof where the cfpb states credit reporting is optional.
Product: Checking or savings account

1. I went into the branch in XXXX Florida   to dispute some unauthorized charges on my account and was discriminated against by the branch manager  in so many ways so I was given no choice than to contact her manager  and file a complaint against her and as a result she defended her self by crying to him and claiming she did nothing wrong and he ultimately refused to help me and was extremely unprofessional and disrespectful to me. 

2. I went into this particular branch for the 2nd time passing 10 other branches, because I have had such a great experience on my first visit. However once I got there the XXXX XXXX guy was very difficult to work with and I said oh you must be new and he got mad and disrespectful and said to the other guy HELP HER BEFORE I LOSE MY XXXX  XXXX JOB I agreed however he continued to disrespect me also he asked me for my ID for a non monetary transaction but when the XXXX  guy came to do a monetary transaction he never asked him for his ID so I said to the good guy that took over assistanting wow so I get asked for my ID but not the the XXXX  guy? and the bad guy said XXXX XXXX XXXX XXXX TALKING TO ME and I said Im not talking to you wow they hire people like him here? Well Im going to file a complaint then he walked away from his desk blowing hard and flexing his muscles like he wanted to fight me. So I complain on him and the good guy was my witness yet I am now banned from all branches. 
Well Im reporting this to the XXXX  AND THE XXXX  3. I was trying to request {$200.00} from my boyfriend and instead made a mistake and sent him {$200.00} and he was unable and I could not get in touch with the XXXX XXXX company so I petitioned you my bank to get my money back and you all did that then 6 mos later you came back and over drafted my account for {$200.00} saying Im sorry but you can not have your money back although this was a mistake!! So of course I refused to give you back my own money and I closed all my accounts and moved to XXXX  and now that Ive discovered that you all are also located in XXXX  too I wanted to reopen accounts particularly my credit card account. I was told the checking was charged off and you all want me to give you all my money back for free on order to do this. That is fraud and what should I do contact FDIC or my attorney or??? 

4. I went into a branch on the west side of XXXX Florida  to have something notarized and they were being nice and professional to me until they looked at my account and out of no where they bum rushed me like I was some bank robber and escorted me to the back of the bank everyone was afraid and in shock and was staring at me like crazy it was so embarrassing. They told me that they are sorry I havent received notice yet but I am not allowed in any branch I can only do online banking!! 

5. In addition, as a result of my complaints and the fact that I called the police on them I received an email telling me that I was banded from ever going into their branches. So I closed my checking, savings and credit card accounts with them and ultimately it messed up my credit.
Product: Mortgage

We sold our home in the XXXX. Michigan and purchased a new home and property in XXXX Michigan in XX/XX/XXXX. We had a VA 30 year fixed loan and the payment was XXXX. Our loan was sold to a new mortgage company , The Money Source, in XX/XX/XXXX. We received a letter explaining that our loan had been sold and where to send the payment with no other information provided. We then received our " first '' mortgage bill at the end of XXXX due XX/XX/XXXX and the amount was {$500.00} dollars more than our original mortgage payment. At the same time, we received a " new '' mortgage insurance amount that had doubled within a few months. In addition, we received our " new '' property taxes and they had also doubled. When everything was said and done within one month our payments increased {$800.00}. When we contacted the mortgage company they stated to us the changes were in relationship to our " home '' not being our " principle property. '' We told them it was indeed our principle/primary property and our " only '' property they told us when they purchased our loan the information indicated it was our " secondary '' property. 

The mortgage was done as a primary residence at the time of closing. We have lived in this property as our primary since closing. We have no other property. The new mortgage company , The Money Source, took it upon themselves, at the time of servicing transfer, to change my property from primary to secondary, contacting my homeowner 's insurance and property taxes without ever reaching out to me for clarification. Due to this clerical error, my payments have been made unaffordable, putting my husband and I into significant stress and despair. Furthermore, the mortgage company refuses to expedite any changes as this has been ongoing for months. I am running out of money and options and I sincerely need help to prevent me from losing my home due to the actions of the mortgage company.
Product: Checking or savings account

XX/XX/XXXX I called Golden 1 to let them know not to let XXXX XXXX XXXX rental manager XXXX XXXX, into my account, I informed XXXX of the fraudent activity I authorized my rent an amount Im on XXXX XXXX XXXXXXXX XXXX calculated affordable income a rent amount that is not to be changed only by XXXX XXXX, On XX/XX/XXXX I informed this apt manager XXXX XXXX she must of made a mistake i showed her the transactions she was taking was over my rent calculated by XXXX, this manager was aware she didnt stop, she kept taking the wrong rent amounts, XXXX credit union adjusted the wrong rent amounts taken, on XX/XX/XXXX then on XX/XX/XXXX I was informed by mail XXXX credit union stated the statue of limitations has passed and they can not cover the fraudent over charging of rent amounts after consideration, XXXX then took all the charges back, a Rep from XXXX informed me that they called XXXX  apt manager XXXX XXXX XXXX informed her of the overcharges, XXXX got back to me stated apt manager told the rep from XXXX to read the lease, the lease only states rules of the apartments nothing about overcharging of rent by XXXX its against the law. Only XXXX can change the rent amounts. XXXX took XXXX XXXX word for it only so XXXX dose n't have to cover the overcharges of course. I have moved from these slum apts on XX/XX/XXXX I informed XXXX I moved to change my address, I thought they did come to find out from informed delivery I could see image of my XXXX credit card was sent to my old adderess someone found it activated it charged {$550.00} the only one who could do this is the apt manageXXXX XXXX XXXX with all my personal information actiivated the credit card XXXX XXXX informed XXXX about my credit card sent to the old address XXXX stated to me " it must of been a Glitz in the computer as to why XXXX sent to old address I informed XXXX Police XXXX XXXX sending CFPB the police report.please send back all documetns I have court soon this is my proof. apt manager kept my deposit in bad faith also.stressed out.thank you.
Product: Checking or savings account

Applied for a loan through speedy cash they over drafted my account by XXXX dollars. I have number they were using XXXX. XXXX XXXX said his name was XXXX XXXX are both numbers he used. 

XXXX. 


XXXX is a account number of his to a XXXX XXXX link
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax response to complaint CFPB XXXX was simply " XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU ''. They then alleged non-monetary relief was provided with " DESCRIPTION OF NON-MONETARY RELIEF Equifax reviewed the complaint, relevant documents, and completed an investigation where applicable. '' However, if they'd conducted an investigation under maximum possible accuracy standard required under under 15 U.S. Code 1681e they would have reviewed the documents and realized information furnished by a data furnisher, but that is false/misleading, is patently prohbited within my federal district. If a bank informs a clien that no ACH was presented for payment, and XXXX alleges a return code of R03, indicating an inability to match the biographical info provided with the account number implies an error on the part of XXXX, and likely implies XXXX never submitted the authorization. Such an occurence is not the fault of a consumer and can cause a damage to a consumer. An account that is then charged-off as a result of such an error then causes further damage to a consumer. That is what happened in this case. And, if the onl thing Equifax can conclude from CFPB XXXX, then there should be no adverse account history to include no derogatory payment statuses, no derogatory narratives, and no derogatory indicators for the account/tradeline. The payment history nor derogatory status indicators, nor worst deliquency, was verified. Thus, any and all derogatory information should be removed for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled the 1099 A and became owner of this debt. 

This account is revolving and sent to the United States treasury XXXX XXXX estate Article 1 section 10 United States America republic constitution Hjr 192 public law 73-10 48 48 stat 110 pg 112-113 18 USC 8 Obligation or other security of the United States. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. 

He who seeks equity must do equity.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account numberXXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX  XXXX bankruptcydischarged Date filed XX/XX/year> has violated my rights. 

15 USC 1681 section 602 ( a ) of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to respect a consumer 's 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the 3 credit bureaus regarding an account with portfolio recovery that I reached an a agreement on with the collection agency to settle an account it was paid in full and in the conditions of the agreement they reached to the 3 credit reporting agencies XXXX, Equifax, XXXX requesting that this account be removed. I disputed the account with credited bureaus asking them to properly investigate and remove this account since it is settled and the company agreed to remove it the credit bureaus did not conduct a proper investigation on the account. The credit bureaus continue to willing fully violate my consumer rights under the FCRA 611 ( a ) ( 5 ) ( i ).
Product: Credit card

I closed 3 Chase credit cards because of poor service, and I paid off the cards in full. After I closed the accounts and paid for the charges, Chase Bank continued to put charges on 2 of the cards. I have complained repeatedly, but Chase Bank said that it is their policy that they get paid, EVEN THOUGH I CLOSED THE ACCOUNTS AND PAID THEM OFF. They have continued to XXXX me for payment, but I have told them repeatedly that they can not put charges on a closed account.
Product: Credit reporting or other personal consumer reports

Ally Financial an inquiry on my report without my acknowledgment I never told them to continuously run my credit. The ones from XXXX XXXX should not be there I had told them I changed my mind he ran my credit anyway I need 14 hard inquiries removed I never consented to that this is ridiculous its in XX/XX/year> sometime around then
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX XXXX on XX/XX/XXXX XXXX at XXXX XXXX atm was trying to withdraw {$80.00} dollars and the machine did not give me the money yet I received the charge. I called the ATM company PNC Bank which than told me to call my bank. I filed a transaction dispute with XXXX  XXXX XXXX which was rejected by the bank. I need the {$83.00} back. Because i never got the money from the machine and i really need the money. Thanks XXXX XXXX XXXX XXXX XXXX , Ca XXXX # XXXX XXXX fee {$3.00}
Product: Student loan

- No answer from customer / refusal to help with questions - Late Fees tagged and back dated from statements for unknown reasons - Capitalized loan at 6 % - Had recurring payments set up to receive no late fees / discount on APR - False information given regarding credit reporting - Accounting/Finance system generates errors - Does not follow legal repayment plan ( Was told incorrect amounts ) - Can not prove why my payments and interest are what they are - Management refuses to help - Mismanagement
Product: Credit reporting or other personal consumer reports

Date Opened : XX/XX/2023 Account number XXXX Balance : {$270.00} High Credit : {$270.00} XXXX XXXX : {$200.00} Past Due : - Payment Status : Past due 30 days Not more than two payments past due Last Reported : XX/XX/2023 Date Last Active : XX/XX/2023 There is no such thing as a late payment because the account was paid in full the moment my credit card ( 15 USC 1602L ) was accepted.

Capital one is reporting a late payment onto my credit report. Pursuant to 15 USC 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, 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. I never gave CAPITAL ONE any written instruction to furnish any information on my consumer report which is a violation of USC 1681B. XXXX XXXX has caused stress and anxiety due to the abusive and unfair practices.
Product: Mortgage

Dear Sir or Madam, We have a conventional 30 year fixed conventional mortgage loan with Navy Federal Credit Union. We recently received a New Mortgage payment notice letter from them stating that our monthly payment is going up 27 %, and the monthly escrow increase went up 170 %. This has placed a tremendous financial hardship on my family and I.     In addition my closing documents stated that our payments should not increase more than the original monthly payment. We feel at a minimum this is a violation of Truth in Lending Act and RESPA and general ethical mortgage practices I had with  Navy Federal. Wh en we were in the process of closing the loan the  Navy Federal Loan  broker  XXXX   XXXX  stated that after the loan closes we are eligible for a one time no obligation interest rate modification if the rates drop. The rates did drop and we contacted  Navy Federal se veral time to get a mortgage rate modification and the Customer Service department stated that we would have to wait a lot longer in our term for a potential rate modification. Completely opposite of what our broker stated while we were in the process of obtaining and closing the loan.     Primary this huge monthly increase of 27 % and 170 % escrow increase has placed a huge financial hardship and burden on us. In addition the fact we pa y two  annual property tax payments ourselves and they are increasing our monthly payment significantly we need your assistance to bring our payment manageable and  bring Navy Federal int o compliance on this pressing matters. Thanks for your attention in this matter.     Sincerely,  XXXX   XXXX   XXXX