23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

After receiving XXXX pay day loans with incredibly high interest rates in the XXXX 's, it has been brought to my attention that these loans are prohibited in my state of NJ, where there is an annual cap on interest of 30 %. after paying off my first loan I was promised a lower interest rate for being a returning customer but it has actually raised by about 53 %. I have reached out to Silver Cloud with a cease and desist letter revoking their right to charge my bank account or contact my employer, as well as closing my bank account outright for extra protection. I have reached out to the company multiple times via phone and email with no reply regarding the topic of closing my account. My loan information is as follows : Silver Cloud : Amount Borrowed = {$1100.00} Interest = 871.844 % ( *as a returning customer I was promised lowered interest rates ) Paid ( as of XX/XX/2017 ) = {$750.00} Amount of principle paid = {$110.00} Principle Remaining = {$990.00} Amount Borrowed = {$800.00} Interest = 818.124 % Paid ( in full on XX/XX/2017 ) = {$2100.00} Amount paid on interest = {$1300.00} Shortly after my C & D letter, I started receiving emails from " collection agencies ' threatening to take me to court for loans with companies I 've never had as well as phone calls and texts for " get out of payday loan debt '' companies. 

Please assist as I 'm currently paying $ 1200+ a month in fees for these outrages loans!
Product: Student loan

Hello my name is XXXX and I have a complaint about student aid and how XXXX are selling these student loans over and over again even thought they get paid off to where you are forever in debt to them. First of all In XXXX I entered the military and paid into a school grant which they said we could use anytime when we want to go to school, so I paid into it for a year. A hardship happened and I had to leave the military with an honorable discharge. So I go back to school and ca n't use the money I paid into being in the military so I get a XXXX XXXX loan. Along with the school loan I get a personal loan to cover my books and other incidentals. Push ahead 10 years children, divorce and so and so but I still have to pay off my student loan and I go in default. So years later and my paycheck is garnished and the school loan is paid and I get a letter from my company and Navient a.k.a XXXX XXXX and a.k.a. XXXX saying debt paid and I am released from the garnishment. In XXXX my income taxes are taken because of the private loan Navient says. I filed for bankruptcy in XXXX and add XXXX XXXX, Navient, and XXXX to it because now they want payment for the personal loan I took out. Bankruptcy is finalized in XXXX XXXX and I hear nothing for 6 months all of a sudden I am being garnished again, no letter stating this from Navient or my accounting department at my employer XXXX XXXX. I contact my attorney by phone and email and nothing he has been paid case closed he wants more money that I dont have to correct this mess I am guessing. So I call them directly ( Navient, XXXX ) they ask me to give them proof that the loans were paid by garnishment and that the personal loan was added to the bankruptcy and that I do. I email them the copies that I have sent you. They send back the letter I have attached and now another creditor has purchased the loan from Navient they say, and want money. The next week XXXX is now sending me a letter they want more money. I dont know who to go to about this it can not be lawful. I see that Navient has a class action suit against them. I just need help and I ca n't afford to keep getting attorneys that only want money. Can you please suggest what I should do next I think they will try to take as much money from me knowing that I cant get it back because its the government backing them. 
Thank you for listening.
Product: Mortgage

Plaza home Mortgage inc .has put forced insurance on my house after they rejected to my policy in XX/XX/2018 they then took more money from my bank account and said I signed a agreement that they can take what ever out of my account so I stopped payment on them taking it out payment that was XXXX became paymentXXXX which they know I dont get I'm XXXX. Then when I contacted the supervisor XXXX XXXX he said that there was a problem with the insurance that get in touch with my provider and send the insurance back to XXXX that they would not charge me for check return and payment would be made at the end of the month. That didn't happen they sent the check back through the bank costing me again another overdraft fee plus there 20 on each one. I called back on the following morning and they said that they dont know XXXX is but he does work there .but no one knows who works there. Plaza home Mortgage company is junk I've been fighting with them since I purchased my home .they put I was 2 months behind on my credit which I was not .there crooks.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXXXXXX is inaccurate because all payments were made on time and in accordance with loan documents. I am requesting that this item be removed or updated to paid as agreed on time. FCRA has laws such as the ones below that I have found to ensure that consumers are protected. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

These inaccurate late payments have caused damage to my ability to receive the appropriate efficiency meant to help me as a consumer.

I have screenshots of payments made to lending club and bank screenshot to go along with payments made yet they did not credit as per loan agreement. In addition, I have the original loan document stating which payments would be due showing that none of them were 30 days late based on payments being due on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is reporting negative information on my credit report. The account is reporting voluntary surrender which is incorrect information. Nobody at Mercedes Benz can seem to help or get back in touch with me to correct this issue.. This is the worst financial lender I ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : 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, and Chapter XXXX Bankruptcy XXXX
Product: Credit card or prepaid card

I recently opened a Barclays ( Old Navy ) store card. My first statement balamce was XXXX of which I paid XXXX ( more than required ). The remainig balance was XXXX, including a XXXX finance charge on my new statement. I paid the remaining balance ( XXXX ) way before due date and I had a XXXX balance. On XX/XX/2023 I made a small purchase which reflected on my most recent statement with payment due date XX/XX/2023. I noticed on this statement a XXXX ... '' minimum charge '' not interest charge, but minimum charge on the statement. I reached out to Barclays for expalanations and I was told that the XXXX stemed from the original balance of XXXX which I have already paid off in 2 installment and with XXXX interest or finance charge. 

My question is this, is that legal or can they even do this at all, regardless of the term of use. Or, better, is that fair to consumers like myself to pay these types of charges on a credit card with XXXX ( XXXX balance? I am questioning this little amount of money now before I am charged much more later and unexpectedly. 
I look forward to your assistance in resolving this issues
Product: Debt collection

I was in a car accident on XX/XX/XXXX and received services from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX billed my car insurance company XXXX XXXX {$1500.00}. XXXX XXXX allowed {$650.00} and paid {$520.00} leaving a deductible of {$130.00}. XXXX XXXX also submitted the charges to health care insurance XXXX XXXX XXXX XXXX XXXX which allowed only {$280.00} of the submitted charges of {$1500.00}. XXXX XXXX paid -0- and determined that I did not owe the provider because the other insurance ( XXXX XXXX ) paid more than the allowable amount. It should be noted that XXXX XXXX was a participating provider. Remex, the collection agency hired by XXXX XXXX is claiming that they are refusing to comply with the insurance determination and require full payment/ {$1500.00} to be paid. Their records show that the insurance company made 2 payments of {$520.00} and {$560.00} on XX/XX/XXXX leaving a balance of {$410.00}. My issue is that credit bureaus are not verifying the debt fairly. Supporting documentation submitted by me was not reviewed and/or taking into consideration. The bureaus are leaving it up to the debt collector to decide if they want to accept the information. Their process allows debt collectors to harass and threaten consumers and force payment that they are not entitled too. My credit score has been substantially affected by this debt and I am being force to pay a debt I do not owe if I want to improve my score. I have been harassed, threatened and punished by the collection agency and credit bureaus.
Product: Credit reporting or other personal consumer reports

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization. I did not obtain any goods, service, or money from transactions. I have also attached a copy of those items to an individual letter which I will mail to you. I am also sending a copy of this filing to each credit reporting agency.I did not do business with the following companies. Accounts as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never done business with this company. According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission.My information was used without my knowledge or authorization.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an Investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted this complaint 3 times CFPB & XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & EQUIFAX and XXXX with FTC Fraudulent report support my position. It seems EQUIFAX and XXXX are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the account removed/blocked per 605b with the attached documents again. Thank you INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$490.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}
Product: Credit reporting or other personal consumer reports

XXXX TRANSUNION XXXX To Whom It May Concern : My consumer report contains data that was obtained through identity theft. I didn't give explicit written consent or instructions for the transactions or accounts in question to be included in my consumer report. I ask that this information 's reporting be stopped and removed. I did not make a factual misrepresentation when I requested to block anything, nor is my desire to block anything related to the request to clock the identified transactions. 
The accounts that have been detected don't pertain to any transactions that I, the consumer, have made : 1.XXXX XXXX {$230.00} 2.XX/XX/XXXXXXXX {$1100.00} 3.XX/XX/XXXX {$150.00} 4.XXXX {$640.00} 5XXXX XXXX {$190.00} 6. 
Within five days after the transaction, you must comply with my + request and prevent these transactions from being included in my consumer report. 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there I have some valid accounts with incorrect history and some accounts that don't belong to me at all! 
My mortgages below are valid accounts but the history is incorrect! 

1 ) XXXX XXXX Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 ) XXXX  Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This company below was my previous mortgage servicer and they are reporting me late when I was deferred and then they sold my mortgage XXXXXXXX XXXX Account # XXXX Opened XX/XX/XXXX Lates incorrect below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The accounts below does belong to me but they are reporting me late and I was never late XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$860.00} They below lates reporters on my credit in wrong below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts below do not belong to me at all! 
1 ) XXXX XXXXXXXX XXXXXXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$660.00} 2 ) XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$570.00} 3 ) XXXX XXXX XXXX  L Account # XXXX Amount owed {$400.00} 4 ) XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$280.00} 5 ) XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$190.00} 6 ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owner {$0.00}
Product: Payday loan, title loan, or personal loan

Recently in XXXX, I was shopping for a personal loan. Best Egg notified me that I was pre-qualified for the loan. I spoke with a representative from Best Egg, and decided to hold off until I decide on the loan. On XX/XX/2022, I was notified by email that loan has been " funded ''. However, I did not authorize nor sign any documents related to the loan offer. I called that following week, and explained to the representative that the loan was unauthorized and I never approved the amount to be funded. Nor did I ever sign any documents agreeing to the loan. The representative explained they will reverse the amount from my bank account, and also notify Best Egg 's fraud team that I did not authorize the loan. I explained to the representative that the loan should not be reporting to my credit or any inquiry related to Best Egg should be present. However, recently, I was notified that the loan is now being reported to my credit, even though I spoke with Best Egg, explaining it was fraud. I logged into the account online, and even after cancelling the loan after fraud, the loan still shows a XXXX balance due.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. XXXX XXXX , XXXX XXXX XXXXXXXX , XXXX. XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit card or prepaid card

I opened a credit card under XXXX XXXX and few days later someone used my name to open up 2 different American Express Credit Cards which fr pleated my credit score
Product: Credit reporting or other personal consumer reports

I am writing to formally complain to Experian regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XX/XX/year>, I mailed a dispute letter to Experian, explicitly requesting an investigation into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and incorrect names. 

Despite my diligent efforts to rectify these inaccuracies by following the appropriate dispute procedure, I have not received any response from Experian regarding the investigation results and Experian has failed to provide any acknowledgment or resolution of my concerns. 

Enclosed with this letter is a copy of the dispute letter I sent to Experian, which serves as evidence of my attempt to rectify the inaccuracies on my credit report. 

Given Experians failure to respond and provide the investigation results, I am now demanding that Experian immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Experian for their failure to respond to my dispute letter and address the inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the inaccurate and unlawful reporting of a XXXX  on my credit report by Experian, XXXX XXXX XXXX. This entry violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 ( c ) and 15 U.S.C. 1681 ( e ).

Details of the Violation : 1. 15 U.S.C. 1681 ( c ) prohibits the reporting of obsolete information and establishes the timeframe in which certain negative items can appear on a consumers report. This bankruptcy has been reported outside the permissible time limits.

2. 15 U.S.C. 1681 ( e ) mandates the accuracy and verification of information included in consumer reports. I obtained a letter from the court where the bankruptcy was filed, explicitly stating that they do not report public records to credit bureaus. Therefore, the inclusion of this bankruptcy is both inaccurate and unverifiable.
Product: Debt collection

This company did not give me adequate written notice to pay debt prior to reporting to my credit report. I have not lived at the address they have been contacting for the last 18 months. I never received mail notification.
Product: Debt collection

I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX also these are the following accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, US DEPT ED XXXX XXXX I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.