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

Inactive modal Consumer Financial Protection Bureau Start a new complaint All complaints XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2024 PRODUCT Debt collection ISSUE False statements or representation We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX  XXXX, a partner of XXXX XXXX XXXX  are predatory lending practices. I've had a loan with them for solar panels by XXXX XXXX, whom promised me everything was good, no leans on my house since I paid cash, which I will be filing another report against XXXX XXXX, my loan is going up not down and I have been paying for over a year $ XXXXMONTH FOR OVER A YEAR. I CALLED XXXX XXXX, and asked why the balance has not gone down it's gone up, I was told that they charge 1.29 % EVERY DAY. APR IS 2.99 % which means I will never be able to pay it off. I was forced into both contracts the day XXXX XXXX showed up at my door and used aggressive sales tactics, I DIDN'T GET THE MANDATORY 3 DAY WAIT PERIOD, EVERYTHING HAD TO BE SIGNED RIGHT THEN AND THERE'S. I have been dealing with this for over a year, but the not even getting the chance to even read either contract, and the 1.29 % every day interest is abominable. XXXX XXXX  used to be synaptic, and they went under. This has got TO BE EXPOSED AND RECTIFIED. I'VE RELENTLESSLY TRYING TO GET HELP WITH THE WHOLE SITUATION EVERY DAY. Isn't that double dipping? They are both in cahoots with each other, and my roof was not sound enough to even put the panels there to begin with. I'm currently in the middle of filing for XXXX, no income in close to 2 years, XXXX XXXX and XXXX  is XXXX  in XXXX places. I was totally taken advantage of, and lied to from the start. Because of XXXX XXXX  and XXXX XXXX my credit report went from 700 's to low 500 's. First time home owner. Again took advantage. I was told the tax kickback would be half of the loan. Come to find out it's a CREDIT not REFUND. They have put me {$70000.00} roughly in debt, PLUS I've never even financed anything. How many other people have they ruined financially for the rest of our lives? I can't even sell my house if I wanted to because XXXX XXXX has put a UCC lean on my house, but I have not signed it nor will I pay for something I had no knowledge of and was lied to about. XXXX XXXX also took a 2nd loan out and lied to me and told me it was not approved, and to throw anything from good leap financial to not even open it. Low in behold I started investigating more and more about both. I've been ghosted by XXXX XXXX and dividend financial has XXXX View full complaint Sent to company STATUS Sent to company on XX/XX/2024 We've sent your complaint to the company, and we will let you know when the company responds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a credit score for the bank to approve or deny me credit. I have called Equifax for XXXX days straight and they can't fix the issue.ANy Bank that connects to equifax they don't get a score back from them. I'm locked out the banking system do to no score from Equifax. 

They continue to mail me a hard copy but the bank will not accept that. Bank need to connect thier system to Equifax to provide me credit.
Product: Student loan

This private and federal loans are our daughters, who we co-signed for. We have tried over the many years to negotiate the payment and interest on loans to no avail, they continue to make numerous calls to my home. We as the parents want to be taken OFF these loans and perhaps pay them off, but need legal advise prior to settleing with these horrible lenders. XXXX was very sneaky and unethical we feel when suggesting these loans, why was our daughter not offered Federal loans is a HUGE mystery that has caused many financial problems within our family. Not to mention the absurd amount of money paid to these crooks, without it going towards loan but to their pockets. This should be considered as a CRIME.
Product: Vehicle loan or lease

WHAT HAPPENED - In XX/XX/XXXX, I filed an FCCPA complaint Santander for unauthorized text message I received at night regarding payment. I contacted FCCPA attorney- The XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. During the legal case I had no access to my account neither online and i called a few times and no body could speak to me from Santander due to the account being in litigation. In XX/XX/XXXX we reached a settlement which they offered me {$500.00}. 

ACTIONS TAKEN - In XX/XX/XXXX I contacted Santander and the account was still " under litigation '' although we had already settled so about a week later the account was unlock and a Santander rep was able to speak to me regarding my account after having no access since XX/XX/XXXX. 

Finally, on XX/XX/XXXX I was able to finally speak to a rep from Santander and the advised payments are XXXX amount past due ( do not remember exact dates ) but I told them I was unemployed and had just been gainfully employed and now trying to catch up on my payments and that I want to make payments to keep my vehicle ( sure there's recording of this ). That same telephone conversation, I made a full payment in the amount of {$630.00} plus processing fees for total of {$630.00} - I believed I still had a balance ( not sure of the amount ) because I received no statements. 

MY ISSUE/CONCERN : I never received any notice, calls or documentation from Santander about my late payments or resolution, no phone calls, nor did I received notice of repossession from Santander. 

As a matter of fact, my last statement generated from Santander was in XX/XX/XXXX. 
I believe the company took revenge of me because I filed an FCCPA against them. It's UNFAIR and UNJUSTICE. They didn't even have the decency to send me a letter or any communication of any type regarding repossession!!!!!

AFTER REPO : I contacted Santander they said I couldn't make the past due payments because the account was " charged off '' so in order to get the vehicle back, I needed to pay the FULL AMOUNT of the vehicle which over {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts.

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above. 
Attached to this complaint are supporting documents to validate the accuracy of my personal information.
Product: Debt collection

I have an old XXXX account that was closed after not paying on it for some time. It was taken off my credit report too. 

A new company bought the bad debt and is trying to collect on it. I sent a letter. I also believe I spoke to someone before. The phone calls stopped but I am still getting a bill for this even though I refuse to pay on something that is extremely old and not even on my credit report. 

I just want to the bills stop from coming in. I wrote to them nicely last time about it, but I dont think they are going to stop. 

Is this considered harassment or not? Are the entitled to send me a bill that is clearly outdated.
Product: Mortgage

At the beginning of XXXX our mortgage payment with Arc Home LLC increased due to an increase in property taxes and homeowners insurance. We were not made aware of the increase, so we continued to pay the normal amount of our mortgage payment. When XXXX received our payment for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX since it wasn't the correct amount for the total mortgage payment they only applied it to the principal and issued our account late fees and stated that we did not pay our mortgage payments for those months. But again, we were never actually notified by this. We only found this out when my husband actually logged on to the website for an unknown reason and realized that they hadn't accepted our payments. We then made the updated payments and made extra payments and late fees. We thought we had completed this process until the XX/XX/XXXX. My husband called since the payment once again wasn't applied correctly and they were to reverse the late fees we had paid and put the extra money we had paid into a holding account to be put towards our XX/XX/XXXX payment. We went ahead to pay the XX/XX/XXXX payment to make sure it was correct, but again this money was only applied towards principal and done incorrectly. They are not doing what is asked and we are not going to keep calling each day. I don't want mine and my husbands credit ruined due to this issue and we shouldn't have to keep calling to get this straightened out. I feel like they are trying to take advantage of higher interest payments and have us pay interest.
Product: Credit card or prepaid card

From the moment I began to dispute several unauthorized charges on the account PayPal downgraded me and the only argued what was indisputable facts of thanking mistakes and overcharges due to PayPal change does the amount of charge basketball though they meet every sense and I had every bit of proof they simply shut my account down and retribution and told me they no longer wanted to do business. They claim to be able to hold my balance for 180 days with no explanation no reason or no facts
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no clue about the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2018. Please investigate please. I don't want fraudulent activity on my credit report.
Product: Mortgage

My husband is an XXXX Veteran and due to his XXXX we need to adapt our home to accommodate him. We applied for a refinance to make these home adaptions. During the application process, we were notified we have a XXXX XXXX for {$30000.00} on our title. We were advised to call NFCU on XX/XX/XXXX, I contacted Navy Federal Credit union and spoke with XXXX XXXX After introducing myself, I inquired about the {$30000.00} lien and asked for a Release lien letter and to our surprise he stated the entire {$30000.00} is due in order to release the lien. Then he stated the least amount acceptable is {$25000.00} because our home is worth much more now.

We've never received anything from NFCU for this lien. It's never been reported on our credit report. We have excellent credit. 

I asked XXXX XXXX for his email but he says he didn't have one to give me. I also asked for his direct number and says just call the toll free line I used. I asked where are you located and he replied " Florida. '' We need to know what are our rights in XXXX? Please help. 
The title company did tell us the statue of limitations is expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of the Fair Credit Reporting Act : XXXX XXXX XXXXXXXX XXXX Acct : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Acct : XXXX XX/XX/XXXX has violated several of my rights. 

15 U.S.C. 1681 section 602 A : Clearly states that 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 an account without my written instructions.

15 U.S.C. 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

1. Inaccurate information - " XXXX XXXX account has become 30 Days Late ''. 

2. Inaccurate information - " XXXX XXXX account has become 30 Days Late 3. Inaccurate information - " XXXX XXXX XXXX XXXX ''. I do not have an account with this creditor.

4. Inaccurate information - " XXXX XXXX XXXX } ''. I do not have an account with this creditor
Product: Vehicle loan or lease

I requested a ten day pay off on XX/XX/2022. After many many phone calls and complaints, I still haven't received my ten day pay off form. I've attempted to reach managers to no avail. In addition, I've requested a pay off each day since XX/XX/XXXX and those have all been closed by the company. The company states they sent it via email almost two weeks later but I never received anything. Now that all of my requests have been closed, I have to restart the process. Everytime I contact this company they try to apologize and open another request. I feel like I'm running in circles and my hands are tied. Nothing is getting done. I need help.
Product: Checking or savings account

To start with Both of my bank accounts were compromised. 
The leads that I marked on this thread do not explain my original problem. 
My bank account was closed in XXXX because someone had my information and tried to log in my account in Huntington Bank. ( Huntington said it may have been a man called XXXX XXXX ) So the bank said I have to close my account and they recommended a credit card to be made. 
Bank said that they do not issue any type of investigation. 
The other bank XXXX had a third party entry and it was called XXXX  XXXX. 
I never authorized it, and XXXX bank told me how to remove this online. 

I made a police report and they told me to also contact you and give you the report number of XXXX. 

To add on all of this The XXXX XXXX XXXX which I am a member of and they have all my personal information and bank account information, have been cyber attacked and sent us an email about it. 
They said they are undergoing investigation and never answered my emails about my questions related to my personal information. 

Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ERC ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... XXXX XXXX ... XXXX XXXXXXXX*that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX  XXXX ( OPENED XX/XX/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 ) HAS VIOIATED 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 acoount without my written instructions.

15 U.S.C 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.

THIS EFFECTING MY LIFE I BEEN KEEPING TRACK OF ALL MY CERTIFIED MAIL FOR TWO YEARS DOING EVERYTHING WITH NO ANSWERS FROM CREDIT BREAUES PLEASE HELP OR LOOK INTO THIS ALL MY RIGHTS ARE BEING VIOLATED FOR ALL THE MISREPORTING INFORMATION THANK YOU PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax claimed to offer to identify if my account had been comprimised in the recent hack, but it 's becoming widely suspected that the results of the inquiry are randomly generated, meaning they effectively lied to me about the state of my credit information.
Product: Debt collection

XXXX XXXX has contact me several times via mail to my domicile address and family members after I sent notice of Cease in Desist. They have used deceptive tactics to try to collect a debt from me while not having a Debt license in XXXX XXXX. They have try to circumvent having a license by sending Debt notices to family members that I have in XXXX XXXX XXXX, where XXXX has a license. These actions have caused me great harm, a violation of my privacy and has ruined my personal / professional reputation. I sent a notice that they were not practicing with a debt license in XXXX XXXX  and asked for confirmation, instead they chose to conspire, with their associates in XXXX XXXX XXXXXXXX and banking financial institutes to find accounts with the name XXXX XXXX ( the alleged to debtor ) to contact me, this is a violation of 18 USC 894, this is a crime. Below are the dates of events. 

XXXX Received notice via mail to domicile in XXXX XXXX of a alleged debt for XXXX XXXX And alert that debt was added to my credit report XXXX Sent a notice of dispute and Cease & Desist XXXX Collection was removed from report XXXX Received a text message from family member that I received a letter at their home address from XXXX XXXXXXXX Sent XXXX a 2nd request to Cease & Desist XXXX Reinserted Item to credit report XXXX Sent XXXX a Final Warning
Product: Student loan

I have been trying to work with US Bank to get a loan modification for my student loan but have not had any luck. After I was unable to get an initial response from anyone at US Bank about modifying my loan because I could n't afford the payments, I posted about it on US Bank 's XXXX page a few months ago - so, apparently public shaming is the only way to get a response. I was contacted by someone who offered to put me in touch with the right people. Three weeks went by with no contact, so I complained again on US Bank 's XXXX page. I was finally contacted that day by someone else who offered to try to put me in touch with the " higher ups '' who could help out. 

The manager who called me that afternoon - while I was at work - called me ten times in five minutes without leaving a message. I was understandably upset when I was finally able to answer, and I asked him to call back at a more convenient time, which he did not. It took me another week of calling to finally get him on the line, at which time I explained my situation and he offered to send me an application for loan modification. I completed said application and returned it with the requested information ( tax returns and pay stubs ), and received a call this morning from XXXX ( XXXX ) who said she was calling to let me know that she was n't able to approve my application but would n't give me any specific information because a letter was in the mail. 

I explained to her - as I 'd done with everyone else I 'd spoken to - that as a business model, I felt that it did n't make sense for US Bank to get NO money, when they could get SOME money from me. By not allowing the modification, my option is to not make ANY payments, because I ca n't afford what US Bank is asking. I 'm not trying to get out of paying the loan - I 'm just asking to make the payments affordable so I can continue to make them. I told XXXX that if she could n't help me, I needed to speak to someone who could. She said her manager was unavailable but offered to have him call me back. I said I would rather have his name and direct line so I could call him when I was n't at work and would be able to talk. She said I should call XXXX and ask to speak with a manager. I told her several times that had n't worked in the past. 

She tried to tell me that her manager does n't have a direct number and that there was no way for me to call him on my own. I told her I did n't believe that she had a direct number and her manager did n't. She again told me to call the XXXX number. Only after a few minutes of asking was I able to get her manager 's name - XXXX XXXX. 

I 'll keep trying to get in touch with someone who can help me, but honestly, the only way I 've gotten any helpful response from US Bank is to post something publicly saying what an awful company this is. I do n't understand why nobody is willing to work with me so I can make continuous, timely payments, and why the only way to get a response is public shaming.
Product: Credit card or prepaid card

Marcus refuses to let me use my credit card since I informed them about new cell phone number. They even verified my identity by sending me a code via text and e-mail. I have been calling them every day for the past week and they simply say that someone from a higher up office will be calling me back the next business day and they are unable to verify my identity. I have had this credit card that was purchased from XXXX  XXXX bank for over 13 years. They also state that they are unable to help me with the tools they are provided. I asked to be transferred to the department that can help and am told they don't take phone calls but will be calling me back. This never happens even though they promise someone will call back. Very poor customer service and Marcus doesn't give their phone representatives any way to help their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report under all 3 credit bureaus, its shows multiple entries for the same debt ... 
this debt is not even mine. 
called the collections companies and they state they show nothing for me but yet leaves it up to me to clear out of my credit reports. 

CommonWealth Finance Collections XXXX called XXXX @ XXXX ** they have the following debt listed 2 times on my credit report- XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX called XXXX @ approx XXXX ** they have debt listed 1 time- XXXX XXXX XXXX   XXXX {$2200.00} I also called this " XXXX XXXX XXXX   XXXX '' @ XXXX on XXXX @ XXXX and after review they DO NOT have anything listed for me as a debt, not sure why 3 entries to 2 different credit agencies would have this information.
Product: Credit card

The Citi bank credit card on my credit reports though in good status is not in my name! It is in the name of my live in companion but has nothing to do with me. He has had the acct for many years but it should not be on my credit records and would like it removed!