23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I made a payment on my student loan account at EdFinancial for {$500.00}. On that day, my account showed the correct balance I owe. However, on XX/XX/2022, I logged into my account and it showed the WRONG amount owed on my student loan balance. As of my last payment on XX/XX/2022, my balance owed should now show {$4700.00}. However, since XX/XX/2022, it shows that I owe {$10000.00} which is INCORRECT. 

I called EdFinancial on XX/XX/2022 about this, and they said there was a " glitch '' in their system and they also said my balance would be updated within XXXX - XXXX business days to reflect the correct amount I owe. 

On XX/XX/2022, I logged into my account on EdFinancial and saw that it still shows the incorrect balance owed. So I called their customer service department on the same day ( XXXX XXXX, XXXX ) and they said that they would escalate my request ( to update my account to reflect the correct balance I owe ) to their Finance department. They also said my account would be updated within 4 business days. They also said " for some reason '' my recent payments were " unapplied '' to my account ( even though the " Payment History '' has a correct tally of all the payments I've ever made ). They also said that I am not the only student loan borrower that is having this issue with them. 

In my view, something very suspicious is going on at EdFinancial. Why are they taking my payments, but not applying them to my account? Please help!
Product: Checking or savings account

I have a business checking and savings account with Chase Bank NA since the early 2000 's. I recently was in process of moving over my accounts from other banks into Chase and encountered several problems regarding verifying my account. After a few months, this seem to have been resolved. When I made my federal and state tax payments, Chase froze my accounts and rejected my payments without notifying me or my private banker. This is further unacceptable as my banker was on the lookout for these payments and not told anything as well. This caused the IRS and Colorado Department of Revenue to levy huge fines and late fees. When I told Chase, they conducted an " investigation '' in which they found themselves innocent. I asked them details on the investigation and they said they are unable to provide these. They never did apologize or show any type of remorse. More of a tough luck ... we are Chase so deal with it attitude. Chase used to be a wonderful bank but is falling downhill quickly.
Product: Student loan

I took a Parents Plus Loan for my oldest daughter. We have been paying it for 18 years and the principle stays at {$48000.00}. It was originally through XXXX XXXX and now Navient. I consolidated the XXXX loans. The payment is $ XXXX/month with 6.75 % interest. But 18 years?? I try to speak to them, but the folks in XXXX just tell me I have had a couple of late payments and that is why. Not good enough for me. My daughter has been an XXXX and now has XXXX XXXX degrees. I know XXXX XXXX/Navient were in the news for overcharging late fees but the ombudsman group has never gotten abck to me on that. If someone could make me unsderstand why the amount has not gone down. I am turning XXXX on Monday and really do n't feel like taking this into my retirement years. 
Thanks so much, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}. 
XXXX  ( Original Creditor : XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX XXXX Account # XXXX Date Opened:XXXX Balanc

e : {$7 30.00} 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 any reasons.
Product: Debt collection

I have reason to believe that First Source Advantage has my nonpublic identifying informational without my consent and is attempting to coerce me to pay an alleged debt which is illegal. I need them to prove how they received my private information without my consent and also what law gives them the right to attempt to collect this alleged debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, a scammer called my wife and pretended to be a representative from Wells Fargo. The scammer also called Wells Fargo and pretended to be my wife. The scammer provided my wife 's information to Wells Fargo and Wells Fargo sent an authentication code to my wife 's real phone number on file. The scammer, who pretended to be from Wells Fargo then asked for the authentication code. After my wife provided the authentication code to the scammer, the scammer gave it to the real Wells Fargo representative. However, the scam artist kept giving the wrong verification code to the real Wells Fargo agent, until finally, the correct one was given to the real Wells Fargo agent. 

At some point the scam XXXX logged onto Wells Fargo and submitted 2 wire transfers in the amounts of $ XXXX and $ XXXX. The scam artist then requested from the real Wells Fargo agent to release the funds. The Wells Fargo agent did so. This occurred between XXXX and XXXX. When I got through to the Wells Fargo fraud department at approximately XXXX - XXXX on the same date, the representative from the fraud department stated the funds were already sent to XXXX XXXX XXXX and could not be recalled. 

We submitted a complaint to Wells Fargo in addition to opening the fraud case. Our complaint was that the Wells Fargo employee did not follow the standard safety protocols and released the funds immediately. 

We received a letter from Wells Fargo dated XX/XX/23, stating in summary that Wells Fargo is not liable for the wire transfer initiated by the scammer and approved by the Wells Fargo employee. Thus, Wells Fargo will not refund our money. On XX/XX/23, we spoke to the Wells Fargo representative who was overseeing the case and the representative stated that Wells Fargo completed all the verification steps appropriately despite the authentication code not being verified at after several failed attempts and the scammers voice not sounding like a woman. 

When we asked for a copy of the audio between the scam artist and the Wells Fargo employee. Wells Fargo stated they won't release the audio to us or give us a detailed transcript of the conversation that took place without a subpoena. Obviously Wells Fargo is worried about their liability and not the victims in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found univariable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requests to know all the steps your agency took insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

Subject : Dispute with Experian Regarding Inaccuracies in Payment History for Capital Auto Account I am writing to formally document my ongoing dispute with Experian Credit Bureau regarding inaccuracies in the payment history reported for my XXXX XXXX account. Despite submitting multiple disputes, accompanied by valid proof and evidence demonstrating these inaccuracies, my dispute has repeatedly been denied without any valid documentation, evidence, or proof provided by Experian to justify their decision. 

The inaccurate information remains on my credit report, causing unwarranted harm to my creditworthiness. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to have inaccurate information corrected or removed. Experian has failed to address this issue adequately or resolve my concerns in compliance with these obligations. 

I request that this matter be re-investigated promptly, and I expect Experian to provide either : Evidence supporting the accuracy of the disputed payment history ; or The removal of the inaccurate information from my credit report. 
Failure to resolve this matter will leave me with no choice but to escalate the issue further through formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.
Product: Vehicle loan or lease

I purchased a house that closed on X/X/17. My title company mailed a payoff check to Chase Auto Finance on X/XX/17 for my XXXX XXXX XXXX. I continued to get calls from Chase regarding a late payment. I called Chase on X/XX/17 twice and spoke with customer service who informed me that no check had been received or posted. I then called my title company who put a stop payment on the check, issued another one, and sent it overnight with a signature required that was signed for by Chase on X/XX/17. On X/XX/17, after my calls to customer service, Chase posted the first check which had the stop payment on it. The check was returned as invalid and Chase reported to my credit that my account was 30 days late. As well, the refund they issued me was also stopped and I was charged a fee by my bank. On X/X/17, I called Chase and spoke with supervisor XXXX who told me the check had been received on X/XX/17 and he was not sure why on X/XX/17 I was told it was not received. I then called my title company and initiated a three way call with myself, the title employee, and XXXX to find out the status of the check issued, and signed for, on X/XX/17. XXXX could not see that any check had been received on X/XX/17 despite it being signed for by an employee of Chase. He explained that there was no way to call the mailroom to find out and no way to check the status of the check. He explained that it took 24-48 hours to reflect once a check had been received. As it was now X/X/17 and the second check appeared to be lost, the title company employee confirmed with XXXX that she could go into a Chase local branch and pay the loan so she put a stop payment on the second check on XXXX and went into the branch on X/X/17, paid the loan off and received a receipt. Today, X/XX/17, I spoke with XXXX  who told me he " had bad news '' and that on the same day, X/X/17, the payment was being made in person by the title company employee, the second check had posted to the account. He told me that this made the payment made in person on the same day " invalid '' and that since a stop payment had been issued on the second check, we would need to wait until it bounced back to start all over again. This also meant that the second refund they had sent to me, which was {$30.00} less than the first one, would also be stopped again. I asked him if he could assure me I would not have a 60 day late reported to my credit and he said he was unable to have any control of that. When I asked if I was able to speak to someone higher than his position, he told me the only other way to speak to someone was to " maybe call the executive offices ''. I am at wits end and my credit and emotional stability have suffered.
Product: Mortgage

In XX/XX/XXXX, my husband lost his job. At this time, we had a home mortgage with XXXX XXXX XXXX. We contacted them requesting a loan modification. XX/XX/XXXX, we received a letter informing us that our loan had been modified and the necessary paperwork needed to returned by XX/XX/XXXX for finalization. Our first payment would be due XX/XX/XXXX payable to XXXX. We signed the paperwork on XX/XX/XXXX, and returned it immediately. We were then sent a letter from Rushmore Loan Management dated XX/XX/XXXX, stating that our loan was transferred/sold to them and the date our loan was sold was XX/XX/XXXX. I believe this is where all the confusion started. In the meantime, we start getting letters from Rushmore stating that our loan is delinquent. A phone call was made to Rushmore explaining the loan modification. They claimed that they never received the paperwork from XXXX in regards to the modification. I faxed them the XXXX paperwork to show that we were approved by them for the loan modification. This was in XX/XX/XXXX. We made our first payment to Rushmore in XX/XX/XXXX. We continued to call Rushmore regarding the modification in which they said that all the paperwork was in Underwriting. This was in XX/XX/XXXX. I'm a little confused as to why we were told that the paperwork was in Underwriting and then told that they never received the paperwork. We continued to make our payments and still kept receiving letters and phone calls stating that our loan was delinquent and in danger of foreclosure. All our payments were considered partial payments and unapplied. On XX/XX/XXXX, we received a call from a Rushmore representative informing us that because they didn't have the original paperwork that XXXX should have sent them, she was emailing us the paperwork that I had faxed them in XX/XX/XXXX to us and we needed to resign it and send it back to her immediately, in which we did. On XX/XX/XXXX, we received a letter from Rushmore indicating that their records show payments received for each month the loan has been serviced by them and once the modification is approved, Rushmore will correct any negative credit reporting and wave any late fees assessed as necessary due to the delays. 
XX/XX/XXXX, we received a letter from Rushmore letting us know that our modification was finally approved and all our payments were applied to the principal and interest. I don't know if all the fees and charges were reversed. My statements show a total of {$240.00} in fees and charges. 
Because of all this mix up, our credit report is showing a 90 day late on XX/XX/XXXX and a 90 day late on XX/XX/XXXX. I've written a couple of letters and Rushmore comes back and says it's because the loan mod wasn't approved until XX/XX/XXXX. This is not our fault for all the paperwork problems. We tried very hard to get this remedied.
Product: Checking or savings account

I had XXXX in a transfer from my growth account to my spending account and they swiped in middle of tranfer. 
This was in my PNC Virtual wallet which is a three diff base accounts in one for spending saving and growth.
Product: Debt collection

I have been receiving daily calls from this company for several years now. Often I receive several calls a day which I believe violates the FDCP. The message left stated that I had an unpaid debt and that it I had to call to discuss the matter. This company uses several hundred different numbers and the calls seem to be robocalls. I looked the numbers up online and discovered that this is a debt collector known for fraudulently attempting to collect zombie and/or non-existent debts. 

I have and have never had any debt. I do not owe anyone any money. I will not be sending this company any money. I have checked my credit reports and there is nothing about this alleged debt on any of my reports. I have put a fraud alert on all of my credit reports as a precaution. In addition, I have never received anything in the mail regarding this alleged debt, which leads me to believe that this company does not have my contact information and is phishing for the purposes of committing a fraud.
Product: Bank account or service

I opened an account last year, the lady that opened my account took mmmmymymmy information and okayed it just to find out that she opened it knowing it a check I received was a check drawn on wells fargo and finalized it just for it to go agaiinst mee plz helpinst me and my credit, plz help ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 

1.XXXX  XXXX Account # XXXX 2.XXXXXXXX XXXX XXXX Account # XXXX 3.XXXX XXXX  XXXXXXXX XXXX  Account # XXXX 4.XXXX XXXX Account # XXXX 5XXXXXXXX XXXX XXXX Account # XXXX 6.XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A . States i have the right to privacy.

15 USC 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that this company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that this company reinvestigate/ investigate and the outcome be removed today!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a valid police report to Experian, and XXXX since XXXX of 2018. Experian and XXXX  advised me my police report was not valid, that is not true. My report is a valid police report, from the XXXX Police Department, and this report can be verified. I live in a local town, I went back to the police department and was advised no one contacted the police department to verify if this report was valid or not. However, it is a valid report. 

My life has been a complete nightmare, for I have been denied credit, turned down employment, and unable to provide adequate shelter for me and my XXXX sons.

I am a victim of identity theft, from a data breach, enclosed is a copy of the Class Action Settlement that I am a valid member and have been provided free credit  monitoring services. 

There are several fraudulent accounts that has reported on my credit bureau I have fought with these credit agencies for over four months to remove this information. I have provided the credit agencies letters, from the many companies advising me that I am not liable for the accounts and they would remove it. But for some reason these credit bureaus refuse to remove it.
Product: Checking or savings account

Im not sure this is an issue you can help with or if it is too late. We banked with Wells Fargo in 2013. We were always charged fees that made no sense and never received an actual resolution. We werent allowed to access our funds at times. We were always told that it was in our best interest to keep our account numbers up. Not even sure what that meant. We left Wells Fargo when it seemed we were losing money to the bank. It was out of control. I was recently told to reach out to you with this information. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent my social security card my drivers license and w2 many times MANY times to Equifax who have some style of block on my account and have refused to remove it I have been on the phone many times and have sent them so much info and they still will it releases my Credit file. 
Now I can not get into myEquifax and when i did I no longer have a credit score They are also refusing to give me a copy of my report.
Product: Credit card or prepaid card

I applied for the Verizon XXXX card and I was approved with a credit line of {$3000.00}. On XX/XX/2022, I call to inquire why I didn't receive the Verizon XXXX XXXX card and I was advised by a representative that the XXXX card is offered to card members with a credit line of {$5000.00} and above and they also qualify for additional perks. 
On XX/XX/2022, I called to request the XXXX card and a representative advised me that it is no longer offered. I explained of what I was told and requested to speak with an account manager and he advised me that the XXXX card is only send to card members that they are approved with a credit line of {$5000.00} and above in the initial application process. I advised the manager that this is " Unfair and Deceptive Practice '', and the manager stated that he can not order a XXXX  card for replacement card, but I advised him that this is not a replacement card it's an upgrade card. I feel that I am not being treated fairly.