23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have several issues with EdFinancial. XXXX ) They have reported an additional $ XXXX in student loans to XXXX credit bureau. They reported my consolidated loan, then reported one of the loans included in the consolidation as a separate loan as well. My loan balance was $ XXXX & they reported $ XXXX in XX/XX/XXXX and havent updated my XXXX credit report since. This is unacceptable! XXXX ) They reported my loans as deferred to the credit bureau in XX/XX/XXXX, my loans are in repayment status. XXXX ) I am on the SAVE plan as of XX/XX/XXXX. I made my FULL payment of {$49.00} on XX/XX/XXXX. However my XXXX statement shows nothing applied to my principal and {$820.00} applied to accrued interest. Per studentaid.gov website, if I have the SAVE plan & my full payment doesn't cover the accrued interest, the government pays the accrued interest. So my loans should not increase due to accrued interest. My loan balance increased by {$820.00} in XXXX while I was on the SAVE plan due to accrued interest. XXXX ) When I was approved for the SAVE plan on XX/XX/XXXX, I was informed in writing that my payment would be {$49.00} and I would need to recertify in 12 months. On XX/XX/XXXX I received my XXXX statement indicating my payment of {$49.00} is due in XX/XX/XXXX. On the morning of XX/XX/XXXX, I went to my EdFinancial account and my payment amount was showing {$49.00} due on XX/XX/XXXX. I went back to the EdFinancial website to view my account later that afternoon ( the same day ) and it was showing a payment of {$70.00} due XX/XX/XXXX. I was puzzled about why my payment changed in a matter of hours. I called customer service and they said my payment amount had been recalculated or recertified although the 12 month period before recertification was due hadn't expired. Its only been XXXX month since they approved my SAVE application and communicated my new payment amount of {$49.00}. I was transferred from XXXX to this AWFUL servicer, EdFinancial in XX/XX/XXXX & I have had nothing but problem after problem with them. I had XXXX for at least a decade & never had one issue. XXXX was professional and competent. XXXX XXXX was my servicer before that and never had any problems. EdFinancial should not be servicing DOE student loans. Their staff is unfriendly, the company is completely incompetent and their costly mistakes affects people 's lives! I see so many online complaints from other borrowers about missing payments and all kinds of payment & loan errors done by EdFinancial. I have worked hard to buy my first home, but the errors reported on my credit report and the ever changing loan payment amount can affect my ability to get a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 : 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.
Product: Checking or savings account

The bank rearranges my account balances reflecting in less money than what I calculated at the time am I spending. When fees are dropped from my account for example like returns, they are not reflected in my account but supposedly my money was refunded. That lack of reflection in my account and the rearranging of transactions lead me to believe that I had overspent and bank has charged me an overdraft fee. Then things later I still have an overdraft fee but my account has finished pending and I have money in my account but Im not able to dispute that overdraft fee. The bank is stealing money from people who live paycheck to paycheck like the majority of Americans. Leading the majority to believe that they have to pay these overdraft fees because of the banks systems through the online banking account access.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency verres a consumer reoo, " shall follow reasonable, procedures to ensure the maximun possible of accuracy of the information concerning the individual about whom the report relates 15 U.s. Code 16811 ( 5 ) Treatment of inaccurate or unventiabie information ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported 3 of my credit card accounts as Past Due but none of my credit reports contain the required Metro 2 field of Date of First Delinquency to comply with the FCRA and Metro 2. XXXX XXXX is NOT Metro 2 Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into Metro 2 and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of XXXX XXXXXXXX shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for Metro 2 Reporting obligations. My account is disputed in its entirety yet XXXX XXXX does not report my account as disputed. Follow Metro 2 guidelines and report my account permanently as Disputed.
Product: Debt collection

I have tried numerous times to resolve this issue with this company directly and indirectly over the past few months with no results. I do not know this company nor have i ever did business with them i have asked numerous times for any written or electronic agreement between myself and them or any of there affiliates now im doing the same thing all over again I dont know this company nor have i ever signed a contract or agreement with them or any of there affiliates
Product: Checking or savings account

USAA withheld taxes from my CD even after sending new XXXX that was a correction to my initial incorrect tax form. Corrected XXXX sent on XX/XX/XXXX and is an attachment to my complaint. I called the bank several times to ask why continuations w/holding taxes and was told it would be corrected. The bank has changed and it isnt for the better. Incompetence is running amuck down there. Im starting to feel very uneasy with them.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Here is the account, XXXX XXXX with XXXX late payment on XX/XX/year>. 
I looked at my TransUnion LLC credit report on XX/XX/year> and notice some things are incomplete and also not accurate and according to the Fair Credit Reporting Act. Whenever consumer report agency prepares a consumer report shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 1681 ( E ) ( b ) and according to 15 USC 1681S they are supposed to do this, treatment of an accurate or unverifiable information. Also TransUnion LLC credit reported agency violated rights from the Fair Credit Reporting Act U.S.C. 1681i ( 1 ) ( A ), ( 5 ) ( A ), U.S.C. 1681S ( a ) ( 1 ) ( a ) and ( b ).
Product: Bank account or service

I received an unknown deposit of {$500.00} to my checking account ending in XXXX on XXXX XXXX, 2016. I called to inform Wells Fargo something may be suspicious with a {$500.00} deposit from a business account I did not know. The fraud department changed my account number, and said they would be holding onto these funds while they looked into it. On XXXX XXXX, my aunt called and asked me if I received the {$500.00}, which she said was a surprise gift. I asked her where it was from and she stated her business name, XXXX XXXX XXXX or something. That was the deposit that I reported to the Fraud Department. I called them back and said that I made a mistake, and to please withdrew the claim. I was advised that the claim would be closed and that the {$500.00} would be credited back to me. Then I get notified by email that my account has been closed by a different department ( charged off because of a negative balance ). I received a letter dated XXXX XXXX, stating the claim was withdrawn and now closed, but no indication of how the funds would be returned to me. I looked at my account and there was no credit of {$500.00}. I have not received a check. I have not been advised a check has been mailed. I have called several times. I was told " well it should be mailed out to you within 10 business days. '' I asked where the record of the check is. I asked if there are notes and from whom stating a check had been mailed. But no notes, no confirmation, no indication a check was being mailed. Then I called again, the fraud department rep told me the investigator, XXXX, would return my call in 24-48 hours. I have not received a call. I called again today, and spoke with a woman of whom I do n't recall the name, and she stated she was working with XXXX via email while I was on the phone with her, and asked me to hold. I WAS ON HOLD FOR AN HOUR. And still she did not return to the call to inform me what was going on. I called again and waited to speak to someone, and he told me there were no notes on my account from her. He informed me that he could not find where the {$500.00} was returned to me, and that he did n't know who I should talk to about where the money is. Customers are not allowed to have phone numbers for the investigators, so he put in ANOTHER request for someone to return my call. I asked that he request a supervisor return my call. He informed me that someone would be back to me in 24-48 hrs. What if they do n't call me back, even with repeated requests?? I believe someone in the fraud department has either lost or stolen my {$500.00}. Whom am I to call and actually reach someone to send me the {$500.00}???
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit record, I discovered concerning late payment entries that require immediate attention. Despite my diligent efforts to address this issue, including sending multiple letters requesting validation more than 30 days ago, I have received no response or satisfactory explanation for these entries. This lack of communication and validation has left me in a difficult position regarding my credit status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX Balance : {$9900.00} XXXX  XXXX Bankruptcy XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX UNIVERSITY XXXX XXXX Balance : {$200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan

I took out a loan with Mobile Loans, not realizing that I would be paying a XXXX interest rate every two weeks. I borrowed XXXX, and they are charging me {$200.00} every two weeks, plus XXXX interest every two weeks. I bring home XXXX per month from Social Security XXXX and can not afford to make a XXXX payment.
Product: Credit card or prepaid card

Account opened : XXXX XXXX, XXXX ( 1 yrs, 1 mos ) Amount Due : {$680.00} Credit Limit : {$500.00} Credit Use : 137 % Account Closed : XX/XX/XXXX I have a Capital One Platinum credit card where I make XXXX dollars minimum payment. I recently have gone through hardship due to one of my family members dying and losing my job. I'm also having problems making a few payments.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.
Product: Debt collection

have sent over XXXX letters to both attorneys office and office of the collector -- got nothing back -- will not respond to anything. in court they act like they know nothing. lawyer does. have mail delivery receipts -- wont respond or anything. I made a payment via XXXX XXXX money order and it was cashed and deposited and nothing reflected. have copy of money order and mail delivery receipt and it still show I did n't pay and now they are trying to garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX a.k.a. XXXX XXXX XXXX XXXX XXXX ( XXXX ) a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX a.k.a. Bank One complaint with Consumer Financial Protection Bureau ( CFPB ) XXXX/XXXX/XXXX - Original debt to XXXX discharged in bankruptcy ( please note that all account numbers given to me are different from the original account number from XXXX ) XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent collection letter for {$9400.00} ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, phone : XXXX, fax : XXXX XXXX/XXXX/XXXX - XXXX permanently closed account per A. XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX sent collection letter for {$10000.00} ; XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX permanently closed account XXXX/XXXX/XXXX - I filed online complaint against them. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone ( never been listed with original debt ) looking for my spouse, claimed to be representing XXXX XXXX XXXX and threatened legal action if $ XXXX debt was not paid over phone, insisted that debt was made in XXXX XXXX and payments were made until XXXX, refused to send any documentation supporting claim, XXXX XXXX/XXXX/XXXX - Contacted bankruptcy attorney and was told it was a scam, not legal, and I was covered under bankruptcy laws. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX said the debt for {$4500.00} was charged off in XXXX XXXX and then sold to XXXX XXXX in XXXX XXXX. Phone : XXXX, fraud line : XXXX, customer service : XXXX XXXX/XXXX/XXXX - XXXX Collections has no records of debt. Phone : XXXX, XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone, looking for my spouse, and wanted to collect debt for XXXX claiming same as XXXX XXXX XXXX XXXX ( same scam? ), agreed to accept proof of bankruptcy either via fax or email ; upon receipt I need to call them to verify that file is permanently closed, phone : XXXX, XXXX, fax : XXXX, email : XXXXXXXXXXXX XXXX/XXXX/XXXX - Filing complaint against all involved to end this illegal harassment over a non-existent debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these from my report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I had an emergency room bill from XXXX of XXXX. The HospitaXXXX mistakenly entered my address information wrong during the visit. I never received a bill from the hospital for any remaining balance. I also never received any other for of communication from them. ( email, phone ). The amount owed was sent to collections and reported to my credit report. Once I saw it I immediately contacted the collections agency, who was very rude and did not want to give me any help only insisted that I pay them immediately. Instead of dealing with the collections agency, I contacted the hospital and payed the bill to them. However, the debt showed up on my report due to an error that was not of my doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have tried multiple times for the past 6 months to dispute some inaccurate information on my credit report with all three credit bureaus and none of have tired to help me with my issue and I am getting completely fed up with it because none of the bureaus are being compliant with federal law or even following their own policies written on their website. 

I talked to an attorney and he said that there are certain laws that the credit reporting agencies have to follow in order to be compliant with federal law. He told me that one of the things they must do when an item is disputed on a credit report is that they must temporarily delete it while it is under investigation and ALL THREE bureaus failed to do that! Not once has anything disputed been deleted during the investigation. Also he said that they must have my permission to report or furnish anything that is on my report, and I never once gave any of the bureaus any permission to report any of the items I have disputed over the past 6 months. In fact I blatantly told them to delete the information. The attorney said the section of federal law that describes this is called permissible purpose He also stated that in order for them to do a proper investigation to my didputes they must inverview my friends neighbors and relatives and well as my mode of living. I asked all of my neighbors if anyone has had any contact with them in regards to my credit report and none of them have heard a thing! 

I was unable to hire the attorney but he did lead me to you the CFPB to help me out with my issues, so I ask that you please help me enforce my rights as a federally protected consumer and as well as to make sure and enforced that the credit bureaus are following federal law as well as their own policies that they have on their own website.
Product: Money transfer, virtual currency, or money service

Good morning, I was scammed by trickery. Knowing I had a XXXX  XXXX on the way a need for a bigger apartment was needed so I went online to XXXX to get an apartment. Saw the listing in the hyper link attached below reached out inquiring about the unit. The scammer who potrayed himself as the leasing agent " XXXX XXXX '' reached out to me. Explained my situation, to which he sent me application questions answered sent them back and said I was approved. Excited I asked what's move in cost, the usual info needed to move he sent me a leasing agreement read over it signed and sent ir back on XX/XX/XXXX a payment totaling to {$3300.00} was sent XXXX from my capital one account XXXX from XXXX via XXXX and XXXX from XXXX XXXXp via XXXX. More time passed questions were being asked by me about the unit all over text and phone calls can be shown with screenshots. XX/XX/XXXX came to which " XXXX '' reached out saying I needed to pay an additional XXXX ( Last month rent and a prorated amount ) to move in on th XXXX the money was sent through XXXX via my XXXX account after paying everything a receipt/copy of the " leasing '' agreement was emailed to me again under the impression I got a new apt to house my family a XXXX  was rented for the XXXX after days of waiting, checking in to make sure everything was still good the XXXX of XXXX arrived that morning I called to no answer around XXXX only to recieve a text message saying the keys will be picked up soon as the day pass no one calls to inform the unit is ready after I've already packed my XXXX  around XXXX/XXXX XXXX I drove the XXXX to the property to see what was going on, once there confused to where the leasing agent was I knocked on a tenants door to which the situation was explain and asked if he knew " XXXX '' he responded no, but informed of a man named XXXX XXXX ( XXXX XXXX who is the actual property owner once contact was made he told me that not only the unit wasn't available but he's never heard of someone name " XXXX XXXX '' that's when everything made sense, that I was a victim of a scam contact was also made with the person who received the money via XXXX, XXXX and XXXX XXXX to which the person played ignorant saying no money was received on his side though his XXXX XXXX is XXXX XXXX XXXX XXXX Communication was done through email text messages and phone calls to which all can be screenshots can be sent to support my clain https : XXXX