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

I have a loan with XXXX XXXX ( belongs to First Bank ). This loan is protected under SCRA law. While being away for training for many months the loan was marked as bad debt. I tried making payments in order to refinance the loan and bring it up to date. While making payments I noticed my SCRA law benefits had been taken away. Changing the 6 % interest cap rate, to a daily charged interest that has brought my account from a {$4400.00} balance to a {$5700.00} balance. Under the SCRA, the Attorney General is authorized to file a federal lawsuit against any person ( or entity ) who engages in a pattern or practice of violating this law. 50 U.S.C. 4041 ( a ) ( 1 ). When the Attorney General files a lawsuit under the SCRA, he has the authority to seek monetary damages on behalf of individual servicemembers. Id. at 4041 ( b ) ( 2 ). The Attorney General also has the authority to seek civil penalties, equitable relief, and declaratory relief. Id. at 4041 ( b ). This is the second time this institution has violated my SCRA rights. I have make multiple attempts to fix this situation. Collections supervisor XXXX XXXX has never been available to attend or return my calls. I need this illegal interest to be retroactively removed from my account and I ask for my account status to be set as current up to date, as a remedy for this illegal action for a second occasion with the same creditor and in order to avoid legal action at the federal level with my representation from Judge Advocate XXXX XXXX ( XXXX ). It is worth to mention I have evidence of multiple emails sent to XXXX XXXX, XXXX XXXX and other employees, with all military documents proving my SCRA eligibility. I have also contacted the XXXX XXXX on XXXX XXXX XXXX times and one has been able to assist. Once again I ask for my account status to be changed to current so I can resume payments, and the interest retroactively adjusted to 6 % in order to avoid a federal lawsuit for this illegal pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed fraudulent inquires on my XXXX, Transunion, and XXXX reports. Have mailed in multiple dispute and still see the inaccurate/fraud inquires, TransUnion Inquiries 1. XXXX 2. XXXX 3, XXXX 4 XXXX XXXX Inquiries 1.XXXX 2 . XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6,  XXXX 7. XXXX XXXX 8. XXXX XXXX 9, XXXX XXXX 10. XXXX XXXX   11. XXXX 12. XXXX XXXX XXXX XXXX Inquires 1.XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX 4.XXXX XXXX 5 , XXXX XXXX 6.XXXX XXXX 7.  XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10.XXXX 11 . XXXX
Product: Credit card or prepaid card

I lost my card XX/XX/23 and requested a new one from that day ADP wisely said I should receive the card within 10 business days WHICH I NEVER DID RECEIVE. So to start from XX/XX/23 to XX/XX/23 I had about {$7500.00} taken out of my debit card with over 35 transactions in those days and my company wisely ADP did not stop or detect any fraud. I called them and disputed all those transactions in which they made me fill out paperwork and send it back to them. I sent them as well a letter we received from the United States postal inspection service stating that mail was stolen from our facility and to lock our accounts and to call credit unions since it was stolen. ADP WISELY sent a letter in the mail with a final resolution on the case with NO detail information on why they denied the claim as well as no reason or proof why they declined it. I called the dispute departments and they would not help me or have any information and would place me on hold then abruptly the call would hang up. I even gave them my call back number and they did not reach out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years, my consumer rights under FCRA and FDCPA have been violated by TransUnion and XXXX XXXX XXXX. I have been trying to have collections accounts removed that have alread been removed by the original creditor.The reports have aged off my report. Both companies cotinue to verify these accounts. How they can do that? They are in violation for reporting incorrect information. These are the four :  XXXX XXXX Acct # XXXX Amount {$910.00} Original creditor XXXX XXXX XXXX. This tradeline should have been removed as of XX/XX/XXXX. I disputed it with all three credit bureaus, and results came back from the other two that as per FCRA, the account had to be deleted since it could not be properly verified. If FCRA says it should be removed, under the law it has to be removed across the board. I am sending proof of the deletion with an old XXXX  report from XXXXWhen I sent copies of this proof to TransUnion, they said an investigation was conducted that verified the account. 

The others are from XXXX XXXX XXXX Acct # XXXX Amount {$1300.00} Original Creditor XXXX XXXX. Account has aged off with the original creditor. TransUnion has a removal date od XX/XX/XXXX. 

Acct # XXXX Amount {$2800.00} Original Creditor XXXX XXXX . Has aged off with original creditor. TransUnion has a removal date of XX/XX/XXXX. 

Account # XXXX Amount {$820.00} Original Creditor XXXX XXXX . Has been removed by original creditor. TransUnion has a removal date of XX/XX/XXXX. 

Numerous requests made these last 2 years for removal with both companies always come back as verified. When questioned, XXXX admitted to using eOscar, an outdated form of verification and not conducting a thorough investigation, which I requested. The resuts usually are that information I did not dispute will change and the tradeline will be updated, usually with a new estimated removal date which is even further into the future. 
To my knowledge, the original creditor sets the date of first delinquency, which then sets the estimated removal date. The date is then set in stone and can not be removed. It is illegal to chang this date. Both companies are using illegal tactics to keep negaive items on my report under the guise of " meets FCRA requirements '' yet what they do actually violates guidelines.
Product: Checking or savings account

This is an ongoing issue. They deny a transaction, charge me an insufficient funds charge & then when the same transaction is presented again they charge me another fee for the same transaction attempt. This can happen XXXX to XXXX times this creating a {$33.00} fee into {$66.00} or even {$99.00}. Ive told the bank that this is double/triple dipping & they said they can charge that fee however many times the transaction is presented even if they never pay it for me & over draw my account. Theyve even charged fees & overdrawn it when without the fees it would have been positive
Product: Student loan

Navient manages my student loan since taking over from XXXX XXXX. 
My loan increased from approximately {$60000.00} to over {$120000.00} due to the crooked devious stonewalling tactics of Navient and XXXX XXXX including : -created obstacles to repayment by providing bad information ; -loan payment of over {$1200.00} a month ; -illegally claimed my loan was in default destroying my credit rating when in fact it was in forbearance : ; hiding access to income based repayment plans to increase unpaid interest accumulation on outstanding loans ; -denied receiving application forms and documentation asking for forbearance because I did n't know income based payments were available, -failed to act when I complained to Navient, XXXX XXXX AND their crooked XXXX ombudsman ; and illegally cheated me a struggling borrower out of their rights to lower payments, which caused them to overpay for their student loans. 

I have a stack XXXX inches thick of evidence since XXXX against Navient and XXXX XXXX showing how they lied, cheated me and stonewalled. Copies of what they did to tank my XXXX XXXX. Letters to the Attorney General of my XXXX, the XXXX, the XXXX XXXX XXXX. Most notably I have copies of correspondence from the worthless XXXX XXXX, Office of the Customer Advocate at XXXX XXXX, the worthless XXXX XXXX, XXXX XXXX XXXX XXXX at Navient and the worthless Ombudsmen at the XXXX Ombudsman XXXX XXXX XXXX -- all of whom refused to assist me.
Product: Debt collection

I am writing to formally file a complaint regarding a credit transaction with XXXX XXXX, which I believe violates my Right of Rescission under 15 U.S.C. 1635 of the Truth in Lending Act ( TILA ). I am seeking your assistance to investigate and ensure that this transaction complies with TILAs disclosure requirements. Given the circumstances, I am requesting that the transaction be rescinded as outlined in the law. 

My Concerns : Failure to Provide Rescission Notice : I did not receive the required notice of the right to rescind within three business days after entering into the credit agreement. 

Inaccurate or Incomplete Disclosures : The disclosures I received from XXXX XXXX  were incomplete, inaccurate, or did not fully explain my right to rescind the credit transaction. 

Failure to Allow Rescission Period : I was not provided with sufficient time or clear instructions to exercise my right of rescission. I believe this failure violates my rights under 15 U.S.C. 1635. 

My Request : Investigation : I request that the Consumer Financial Protection Bureau investigate this matter to confirm whether XXXXXXXX XXXX  complied with the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1635, and whether they provided me with the necessary right of rescission notice and accurate disclosures.

Rescission of Credit Transaction : Given the violation of my rights under TILA, I request that the credit transaction be rescinded, and I be relieved of the financial obligations related to this credit account, including cancellation of any fees or charges.

Debt Removal : I also request that any negative reporting associated with this credit account ( including any charge-offs ) be removed from my credit report, if the transaction is rescinded under TILA.

Supporting Documentation : Credit Agreement ( showing the terms and disclosures related to the credit ) Proof of Transaction ( e.g., statements, communications, or other documents related to the account ) Disclosures ( if you received any disclosures from XXXXXXXX XXXX  ) I trust that the CFPB will investigate this matter promptly and ensure that my rights unXXXX XXXX XXXX XXXX XXXX upheld. Should XXXXXXXX XXXX fail to comply with TILA, I respectfully request that the credit transaction be rescinded, and I be relieved of all obligations related to it.
Product: Mortgage

We started this process in 2009, we were offered a loan modification and we took it because it would make our payments cheaper through XXXX XXXX XXXX. We accepted the loan modification and made all trial mortgage payments as they requested. 
After making all of the mortgage trial payments, while we were waiting to get our agreement concerning the proposed modification they sent us a letter stating that we did not qualify for a loan modification. 
Every time we tried to speak to someone about our loan we had to wait for the XXXX and if by chance we did get to speak to anyone, the next time we were told to call there was a new person assigned to our account that knew absolutely nothing about our mortgage and if in fact we had submitted a new modification package it had to be reviewed. We have been offered stream line modifications in the past but following the advise of our attorney we did not accept them because they were such high payments. 
The hardship that we encountered has past and we are willing and want to make mortgage payments. 
The other issue is that they gave us a valuation of our home and it is {$370000.00}. and we owe a total of over {$750000.00}. We never knew the interest rate we were being charged we don't know if we have an adjustable rate mortgage????? 
We can make a good faith down payment as well as make regular payments. 
They sent us a statement with a XXXX Payment for {$3700.00} and then for XXXX the payment is {$4700.00}. It appears to adjust every three months. If we took the streamline modification would it adjust every three months? On the statement they have charges and other fees listed as {$6200.00}, then Charges/fees this period {$1800.00}? We are trying to make sense of all of this because we really want and need to save our home. We are asking for your help.Please.
Product: Credit reporting or other personal consumer reports

I was trying to build my credit score, so month after month my score kept climbing, nothing appeared odd on my reports that I was checking in on. Then XXXX day I received a notification that my XXXX score had dropped by XXXX points, upon further investigation I saw that a line of credit had been opened in my name and they ran a charge to the full amount of XXXX XXXX dollars. A few oddities I noticed from the beginning was that it said I had opened this line of credit years ago which could not have been possible ( I believe it said the line had been opened around XXXX ) but not until recently ( around XX/XX/2023 ) had the account been maxed out or even touched. Another thing that seemed odd was the company that had allowed this line of credit which was ( CITICARDS CBNA ), I could not find much information about this company and there address they provided on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is mail only, they apparently have no email or phone number. I contacted Citi bank since the information I did find pointed me to that company being responsible for supplementing the credit. After a brief phone call with there identify theft department they determined they could not help me but XXXX weeks later they called me back and said they will look into the report. After 15 days I received a letter in the mail stating they could not find any instance of fraud as they could not locate the specific account. This issue issue is still unresolved and now XXXX trying the next step to get this handled.
Product: Debt collection

Alliant Capital Management has repeatedly called several relatives and left messages repeatedly for several relatives and associates. I have asked them on XXXX separate occasions to cease and desist making contact with ANY third party regarding this matter and they still call and leave messages on my relatives and associates phone. They have my number yet I have not received a single call or voicemail. My family is being harassed unnecessarily because they have my phone number, email, and address and have not tried to contact me directly ever.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

COMENITYCAPITAL/ XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX ( XXXX ) XXXX Someone tried to open an account with the company listed above, I tried calling the company and the call just drops. I then called XXXX, and they were unable to get in contact with the company also. 

I also put in a claim for a frog that was done yesterday on my XXXX account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX I request the sale amount from the third party debt collector XXXXXXXX XXXX XXXX it show the wrong amount on my credit report this is fraudulent reporting they buy for pennies on a dollar
Product: Debt collection

I have been called by creditors from pathfinder credit services about paying a debt in the amount of $ XXXX.After asking for  a copy of a signed agreement with my signature, i did not receive a response.I do not own the account i am being told to pay for.
Product: Credit card

- Designated payments were calculated correctly by me to overpay the initial purchase amount by the expiration of the promo plan ( XXXX deferred interest ). 
When a 2nd purchase was made with a different total, different payment plan ( XXXX deferred interest ), different plan expiration and different purchase date ( Approx. 8 months later ), the balances were combined instead of kept separate -Because of the incorrect accounting methodology for keeping two different plans separate, Comenity Bank took my payment allocations from a totally different plan for the initial purchase and instead broke it up without my consent to cover an entirely different payment plan structure - Because of the accounting malpractice from Comenity Bank XXXX they are trying to penalize me, the customer, with thousands of dollars worth of interest and late fees. 
- All of the purchased item amounts have been fully paid off, and I am not responsible for paying interest due to internal accounting malpractices from Comenity Bank. 
- I have been trying to resolve this issue since XX/XX/2023, and have recently reported their practices to the BBB. I have raised this issue to the XXXX XXXX of XXXX XXXX where I made the purchases. 
- Comenity Bank is continuing to impose additional interest and late fees to this day, and have made no effort to correct their mistake, claiming that my disputes are " not valid ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that XXXX XXXX credit reporting on my credit report be removed. 
The original debtor is XXXX XXXX XXXX XXXX XXXX this debt resulted from a foreclosure. 
The original debtor XXXX XXXX XXXXXXXX XXXX XXXX is listed in my credit report. 
XXXX XXXX XXXX is not the original debtor and as such can not hold a credit report on this debt when the original debtor remains in my credit report. Hence my credit report can not have duplicate charges from two different debtors. 
XXXX XXXX XXXX has to be removed from the three major credit reporting agencies I have written to the Transunion major credit reporting agency an as of this date removal of this XXXX XXXX XXXX has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the co-debtor on an auto loan through GM Financial filed Chapter XXXX Bankruptcy. This plan was confirmed on or around XX/XX/XXXX. The car loan through GM Financial was included in the wage earner 's plan and paid regularly by the Trustee. In XX/XX/XXXX the court issued an order that the car was to be surrendered under the plan and the balance of the loan after proceeds from the sale of the vehicle would be considered unsecured debt paid at 100 % through the plan. I am listed as a co debtor on this account and am protected under the automatic stay. Fast forward to today, nearly 3 months later, and the car is still here. GM Financial has knowingly and fraudulantly reported the full balance of the loan on my credit report, marked the account as 180 days derogatory as of XX/XX/XXXX, which is not accurate considering the Trustee paid them in XX/XX/XXXX. They also changed to notation on the account to reflect open and delinquent as opposed to included in chapter XXXX wage earners plan. They are violating my co debtor rights under the automatic stay and hindering my ability as a consumer to get financing for a car as their malicious and deliberate false reporting dropped my score nearly 80 points and tainted my account history.
Product: Credit card

I paid online on XXXX through the Avant credit card app. for the due amount of {$78.00}. There was a message that said " something went wrong please try again '' so I did. They ended up getting double payments. I called them and said I want them to refund the extra payment of {$78.00}. They said I had to wait till it posted. It posted 2-3 days later then they said it was " approved for refund '' but that I'd have to wait up to three weeks. I said there's no reason to wait so long just refund me. I called a few days later and emailed. Now they said they refunded me when they DID NOT. They insisted that I call my bank. My bank said they show the double payments that posted but NO refund. On the Avant credit card website my account showed - {$78.00} for about a week which was a credit for the overpayment now it shows I have {$0.00} balance. They kept my extra payment and NEVER refunded my money. They kept telling me to call the bank. Also they refused to send me an email they claimed to have sent me on XXXX. The customer service person told me to email XXXX which I have and they're response is call customer service. I just want my refund and for this company to stop this fraudulent activity. I saw other complaints on them when I reported them to the XXXX I asked to speak to a manager but all they said was to email XXXX which I did multiple times. They resolved NOTHING and kept the extra payment I made because THEIR website said to try paying again!
Product: Credit card or prepaid card

I made a purchase using an XXXX XXXX credit card back in XXXX of XXXX. I went to go make my payment when it was due but when I went to make the payment, I could not get into my account online. I called customer service and found out they gave me a new account number as the company had gotten bought out. The representative I spoke with helped me pay and ensured me I would have no late fees as I did not even know, nor was I notified that I was given a new account. 

Then in XXXX of XXXX, I received an additional bill of around {$35.00} as a late fee from the XXXX statement. I immediately called the company and they said it was a fluke and that I would have a {$0.00} balance soon. I was told I just needed to wait another billing cycle to get it fixed. 

Then I got a statement in XXXX showing a new late fee from the previous late fee back from XXXX of XXXX. I immediately called the company and asked to speak with a supervisor. I was told that my account was not showing a XXXX dollar balance, and that it was showing XXXX late fees. I went through the process of having them try to remove the late fees again and was told that it would be fixed on the next billing cycle. Then I got another bill towards the end of XX/XX/XXXX with the same amount. I immediately called them ( again ) and spoke to another supervisor, and had them create another ticket to get it resolved. I was informed that the ticket would be expedited, and that I would be called when it got resolved. I have yet to be called. Mind you, all of these calls are recorded. 

Fast forward to now, I just got another statement on XX/XX/XXXX, showing an additional, third, late fee from the original one back in XXXX of XXXX. This was even after I had spoken to a representative XXXX times being ensured XXXX different times that my account will show a XXXX dollar balance on the next billing cycle. They are lying through their teeth and being extremely dishonest. 

These late fees are affecting my XXXX XXXX and clearly whoever is working for the XXXX XXXX credit card services is not doing their job and is being fraudulent about what they are doing. I plan to call them again in the morning, but this has been going on for several months. And it is time they be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX Reference # XXXX XXXX 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