23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITAL ONE with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit card

I had Amex Delta Sky Miles card and carried AMEX Cards since XX/XX/XXXX, with excellent credit On XXXX XXXX, I was one day late and charged with {$35.00} late fee ; request waiver. On XXXX XXXX, spoke to Amex supervisor, a combative lady ( XXXX ) and not customer oriented. We get into to words and I closed my account on XXXX/XXXX/XXXX. I paid all charges except late fee. 

. 
On XX/XX/XXXX I spoke to XXXX of Amex, she told me she would waive the charges since I am AMEX member since XX/XX/XXXX in good standing. 
AMEX STARTED HARASSING ME NOW On XX/XX/XXXX, Amex sent me a statement for {$27.00} ; it is for late fee & interest charges On XX/XX/XXXX, Amex sent another statement. New balance is {$55.00} ( Previous balance was {$27.00} plus another late fee on top of first late fee {$27.00} plus interest of {$0.00}. ) On XX/XX/XXXX, I called spoke to XXXX XXXX at AMEX XXXX office. She agreed to waive all late fees, and balance will be XXXX. I spoke to her Supervisor complimented her. 
On XX/XX/XXXX, Amex sent another statement. New balance is XXXX. ( Previous balance was XXXX ; plus another late fee on top of twoo other late fee of {$54.00} plus interest ) On XX/XX/XXXX, I called Amex, XXXX ( ID # XXXX ) agreed to investigate charges. 
I hereby request that AMEX should hold their word as their Supervisor says and waive the late fees on top of late fees. 
There is two issue here : 1. Amex is not customer friendly ; for one day charging late fees 2. Amex supervisors promise/word donor mean anything. There is extensive communication break and we Customers suffer. I have the names and dates I spoke to the Amex Supervisors, and no action taken to date. 
I wonder why Amex losing Customers and XXXX account?
Product: Credit card or prepaid card

Dispute with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Case # XXXX XXXX XXXX Tracking Number : XXXX Aloha Sir, As a long time user of XXXX XXXX and their credit card Im contacting you to say you are my last best hope. Im having trouble getting a satisfactory resolution to my dispute with Barclays and XXXX XXXX XXXX  over their payment of a transaction I made on the internet which I tried immediately to cancel because it wasnt what Id ordered. 

This whole situation has been very frustrating, time consuming, and disappointing. Please note the number of case numbers, representing people in Barclays Dispute Department that Ive talked to and the number of times that Ive had to repeat my story needlessly. Ive lost faith in both XXXX and my XXXX XXXX Credit Card. 

The XXXX website was flakey when I made my purchase, requiring me to keep replacing the duvet size before I could order. Then when I received the receipt within minutes of placing my order it showed the wrong size which made it useless to me. I responded immediately ( XX/XX/XXXX ) by email to say that it wasnt what I ordered. No response. 

The next day I received an email thanking me for my purchase. I responded ( XX/XX/XXXX ) again saying that this was not what I ordered and that it was not an acceptable change and tried to cancel the order. No response. 

The next day ( XX/XX/XXXX ) I contacted XXXX with whom Id made the purchase to ask them to cancel the purchase because it wasnt as requested. It was shortly after that that I registered my complaint with my XXXX XXXX Credit card online. 

Apparently by reporting the dispute to my XXXX XXXX Credit card company XXXX dropped the original dispute. They didnt tell me this.by the way. Which is funny because later Barclays would tell me that I should pursue my case through XXXX. 

XXXX XXXX from Barclays the Office of the President called after I complained to XXXX XXXX at XXXX XXXX XXXX  in XXXX. XXXX had gone to bat for us and relayed our complaint to a higher up which we appreciated. Now doesnt return our phone calls. 

However, XXXX XXXX from the Office of Barclays President said they denied the claim because a ) the vendor had fulfilled their end of the transaction and b ) contacted us twice. Neither is true. 

Not once did I hear from the vendor and no, they did not fulfill their end. All I heard from them were their advertising emails They were notified the item was not what I ordered and chose to not respond. Barclays chose to take their word over mine, a long time XXXX XXXX customer and card holder. 

If you check the USPS timeline youll see that the package wasnt accepted for shipping until XX/XX/XXXX and probably not shipped until XX/XX/XXXX. Again the XXXX timeline will also tell you that I didnt receive the package until XX/XX/XXXX and without opening it refused the delivery on XXXX  for which I have a USPS receipt.. 

XXXX XXXX from Barclays informs me that XXXX had received the package and they say they couldnt accept it because of the pandemic. So Im out {$120.00}. 

Please help me get my money back.
Product: Student loan

My student loans are paid through XXXX XXXX XXXX. As a XXXX employee ( XXXX XXXX XXXX ), I tracking each of my payments in order per the terms of the Public Service Loan Forgiveness ( PSLF ) program. In XX/XX/XXXX, I submitted my annual PSLF employment certification. XXXX XXXX XXXX sent back acknowledgment of my federal employment status, along with a list of qualifying payments submitted since the beginning of my repayment plan. I noticed several discrepancies including, but not limited to, missing payments for entire months and missing payments for parts of the loans that are consolidated within the entirety of the loan package. I emailed XXXX XXXX XXXX in XX/XX/XXXX to notify them of the inaccuracies and request an updated list of qualifying payments. I did not receive any responses despite subsequent, monthly email and phone follow-ups. In XX/XX/XXXX I called and was told that my request had just begun processing. In XX/XX/XXXX I called again and was told that XXXX XXXX XXXX required more time. In XX/XX/XXXX I emailed again and did not receive any response at all. In XXXX and XX/XX/XXXX, I was told on the phone to continue to be patient. In XX/XX/XXXX, the representative I spoke with on the phone told me there was a backlog and to wait for an update via email - the representative said the longest outstanding request was from XX/XX/XXXX, so my XX/XX/XXXX request needed to wait longer. In XX/XX/XXXX, I emailed again and AGAIN received NO RESPONSE. In XX/XX/XXXX, I emailed and nearly two weeks later, I received a response stating that these reviews " take a great deal of time. '' It has nearly been a year of my patient requests for updates. This is absurd and the worst customer service I have ever experienced. I have gone through my records and can provide accounting of each payment processed with XXXX XXXX XXXX going back nearly 7 years. I have the bank records showing each payment and can provide these if needed. I am completely baffled and appalled as to why it has taken nearly a year to receive a response from this loan holder to a simple request for an updated review of my account. I am tired of dealing with the inconsiderate, and incredibly, sometimes non-responsiveness of this organization. How can I trust an organization to handle the processing of my student loan payments and, hopeful, future student loan forgiveness if they can not process a simple request?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is me and I give permission to continue this investigation Equifax has violated the law on several occasions. With the following inquiries which appear on my consumer report ; which is, in violation of : 3. ) Violations of 15 U.S.C 1681a 2 ( i ) 4. ) Violations of 15 U.S.C 1681b 2 5 ) 15 U.S.C. 1681a 2 ( b ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, Late payments from XXXX XXXX  and XXXX XXXX is in violation of 3. ) Violations of 15 U.S.C 1681a 2 ( i ) 4. ) Violations of 15 U.S.C 1681b 2 5 ) 15 U.S.C. 1681a 2 ( b )
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in MONTHS REPORTING LATE to be removed. 

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.

This company 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! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I purchased the XXXX XXXX XXXX in XX/XX/XXXX for my ex-husband. In XXXX we separated and he could no longer pay we called for the vehicle to be picked up and it was repossessed in XX/XX/XXXX. At the time I owed just over {$13000.00}. In XXXX XXXX XXXX reached out to me and said I owed over {$30000.00} they said they could charge interest continuously even though they had already had a car and even though they had sold it to someone else. Towards the end of XXXX I obtain an attorney regarding this matter well in XX/XX/XXXX I was diagnosed with XXXX and I took a leave from work so I was no longer able to pay the attorney and not working so in XX/XX/XXXX XXXX XXXX obtained a judgment against me because I could not make it to court. I just return to work XX/XX/XXXX and yesterday I received a letter stating they I tried to garnish my wages now for an additional {$11000.00} interest so now they want over {$41000.00}! I cant understand why interest is continuing to accrue when theyve had the car back since XXXX and sold it to someone else actually. I also was never even credited for that sale These are unfair practices by XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 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. XXXX XXXX, XXXX XXXX XXXX AND XXXX CAP XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I keep paying extra money and it keeps disappearing and not going to my principal so their charging more in compound Interest per day
Product: Student loan

I graduated from XXXX  school in XXXX with just over {$200000.00} in federal student loans, all FFELP. When the pandemic began and the Administration paused interest and payments for most federal loans, I contacted my loan servicer at the time -- Navient -- to see if my loans qualified. At the time, my husband and I were struggling to cover the costs of child care because our daughter 's school was closed, requiring us to pay someone to watch her and help her with remote learning. We both work XXXX-XXXX. Navient told me that the type of loans I have did not qualify. They did not tell me that I could consolidate my loans and that this would allow me to qualify for pandemic relief. I had no idea that this was an option. They instead directed me to a forbearance, which I ultimately had to do in XX/XX/XXXX, because I simply could not afford my student loan payments along with the ongoing increased child care expenses of the pandemic. In Fall of XXXX, I was able to attend a seminar regarding the Public Service Loan Forgiveness program, in which I learned that I was required to consolidate my federal loans in order to qualify for PSLF. I did consolidate, and was then surprised when my consolidated loan then qualified for XXXX interest and XXXX payments due to the pandemic. Navient should have informed me about this back in XXXX. The interest that I paid to Navient during the time when I could have had XXXX interest should be reimbursed to me. This was deceptive and a violation of the law.
Product: Debt collection

In the past I have had a problem with medical bills from XXXX XXXX XXXX XXXX, XXXX. I divorced my wife and bills come to her address and she does not report them to me and allow them to go to Collections. This latest bill is the same. I have an alert on my credit and this is how I know about a negative report of XXXX dollars to XXXX XXXX from XX/XX/XXXX or XX/XX/XXXX. My credit check says that it is bill from XX/XX/XXXX and TransWorld Inc. Collections says XXXX XXXX. I have spoken to representative of TransWorld and I explain the situation with my former wife and she refuses to communicate with me. I paid XXXX dollars to TransWorld. Then I was told from TransWorld that XXXX dollars and change was owned to XXXX XXXX in XXXX XXXX which my daughter was given care too. I spoke to my daughter and she says that she was given care and she was going to pay bill but she did not receive a bill. Yes she used my former wife address. Also my Medical insurance company has not received a request for payment for XXXX. XXXX or XXXX bill, XXXX is unable to reference the bill because their records goes back to seven years only. I have email XXXX XXXX but I have not received a response for details concerning both bills and why they send bills to my former wife instead my address. My daughter is in college that is reason why she is on my insurance.
Product: Student loan

I owe {$0.00} per month on the XXXX plan based on my income. My loan servicer MOHELA is not processing these {$0.00} payments ( To count towards XXXX and eliminate monthly interest ). 

The last payment of {$0.00} was supposed to go through on XX/XX/XXXX but it didn't. So I have accumulated more interest and no payment was confirmed that counted towards XXXX. For some reason MOHELA decided to push the payment restart date to XX/XX/XXXX which should not have been the case. There was no reason to do this when payments started back in XXXX according to the federal government. I did not consent to this and asked that my payments start XX/XX/XXXX when I spoke to a customer service agent over the phone. 

When I checked and saw that this {$0.00} payment had not gone through I submitted a payment of {$0.00} on XX/XX/XXXX since the website would not allow me to manually submit a payment of {$0.00} as I should be able to. 

In addition, I had enrolled in auto debit some time ago and received an email that my application for auto debit was successful, so the {$0.00} should have been automatically gone through on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX  XXXX XXXX XXXX XXXX
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. 

XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Student loan

The College ( XXXX in XXXX, Ca ) that I was currently enrolled abruptly shutdown. I was XXXX weeks away from graduation. I am no longer choosing to continue with my education since I would have to take even more classes. I also did not get a well paying job out of it, even though I was told numerous times I would.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system leaving us vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

This debt is not mine ; the debt collector can not provide any proof the debt is mine as outlined in the FCRA. They can not provide any paperwork proving this is my debt, a signed document or anything. 

Additionally, the debt collector has been using unethical practices to intentionally cause damage to my credit causing financial burden and effecting my mental health. They continue to cycle back and forth anytime I dispute the debt between the names " Wakefield and associates '' and " Choice recovery '' ( both of companies are the same as " Choice recovery '' has been acquired by " Wakefield and associates '' in 2022 and are both reporting the same debt ). Every time they do this It causes my score to drop for the same unverified debt causing severe damage to my credit and making it impossible for me to qualify for credit, more specifically a home loan. Not to mention they are currently reporting the same debt twice on my credit report. 

Furthermore, neither " Wakefield and Associates '' or " Choice recovery '', are licensed to collect debt in the state of North Carolina as required by law here. A cease-and-desist letter has been sent to them to discontinue any further reporting on my credit report and harassment communication.
Product: Vehicle loan or lease

SunTrust Bank repossessed my XXXX XXXX XXXX it is used and it is a XXXX. SunTrust/Truist just came and got my vehicle last night. SunTrust did not call me not did Truist. They said they had the correct phone number on file so why didn't they contact me? I had issues with payments missing and I have made multiple payments for the same month. I really do want to keep my vehicle. I received a statement for XX/XX/XXXX. This is when the payment is due for my vehicle. I explained to them that I would have to make the payment XX/XX/XXXX. I really do not understand why I have to make these payments. I have made payments online in which they locked me out of my online account. The statement clearly states that I need to make a payment for {$2800.00}. I am not sure why this is the case when I made a payment for {$1400.00} in XX/XX/XXXX. The vehicle needs to be returned. There was too much fraud on this account. I really do not feel comfortable but I am also trying to figure out why the representative for Truist recovery departments asking me for {$4700.00}. Then she went on to say that did not include the recovery fee. I declined to pay this amount and looking at my statement it did not make sense. I asked them what happened to these payments. I believe that there are people at the bank who are disputing these amounts and putting them in their own accounts or giving them to other people. I personally feel that SunTrust/Truist should be made to pay their own recovery fees. I did not cause this to happen. I just figured out how to read this statement and I am not letting them take advantage of me with this account. I have documentation that I tried to fax from the bank. I pulled money out on XXXX XXXX. You can see it was multiple times and this does not include what I paid going through the teller line outside of the bank. I have the online payments as well that I am unable to access.
Product: Debt collection

CREDIT COLLECTION SERV at XXXX XXXX XXXX XXXXMA XXXX has been sending me collection notices in the amount of {$99.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. The collection agencies in question have not removed the accounts from my credit report yet rest being damaged because of it. They informed me taht they would stop reporting the accounts but haven't.