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

***ADVANCE FINANCIAL*** Whenever I ask for my remaining interest that is owed to me they always write it down in pen as opposed to showing it to me on a printout. So when I ask for an explanation as to how the interest is calculated Im not given that amount on the print out.

If I owe back interest based on the previous months activity I expect that to be detailed on the printout when I make a payment.

When they write it down the number appears arbitrary and leads me to believe there is something wrong happening.

Also it was never explained to me that I have two billing cycles per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Debt collection

I discontinued services XXXX XXXX XXXX. They billed me for their membership even though there was no use of service from that point forward. There was no notification regarding the continuance of billing from the club itself. I recieved an email notification however from ABC in which enormous added penalties were added to the bill. The XXXX XXXX XXXX did waive the late penalties but would not waive the club use charges that they even admitted were not used. I paid the bill in full and sent the prehistoric formal written cancellation letter on XXXX/XXXX/XXXX. Since then in the past two weeks I 've continued to receive XXXX further notification of more fees and charges owing on my account. I have attempted to contact the XXXX XXXX XXXX, XXXX XXXX XXXX location and gotten no response. XXXX XXXX is his Manager who 's also ignored any and all communication I 've directed to her. This is abusive business tactics and needs to be addressed. After researching online I 've found countless postings from other victims from this companies abuse. There are too many other choices of XXXX to work out at. Maybe XXXX XXXX will learn a lesson someday that taking care of the customer should be a bigger priority.
Product: Credit card or prepaid card

On the discover mobile XXXX app you need to click into a payment date when you go to make a payment. That section of the app hasnt been clickable since at least XX/XX/2022. You click it and it doesnt open to allow you to make a selection. I have submitted feedback through the app several times and called discover to ask about it. I got routed to several people, I believe 3 or 4, and was told by one that they were aware of the issue and just hadnt been able to resolve it yet. I told them it seems like a way to get people to avoid making payments so that they can charge higher interest and late fees. Everyone I know, especially around my age ( mid XXXX ) pays their bills via mobile apps. It has been messed up for 6 months and apparently people are aware of the problem. Their app is fully functional everywhere else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 30 days later, 1 reporting agency ( equifax ) said they concluded their investigations and everything is correct and its not. Transunion has not responded and XXXX responded with " investigation completed '' and the info is still wrong. Aren't all reporting agencies suppose to have the exact same info? 
XXXX XXXX  ( CLOSED DATES DONT MATCH ) XXXX XXXX ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY ) XXXX XXXX XXXX XXXXXXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( XXXX XXXX, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX  XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX XXXX XXXX  ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )
Product: Mortgage

The Lender U.S Home Capital, LLC. XXXX XXXX, XXXX XXXX, NJ XXXX owe me a refund of {$2900.00}, this money was paid at closing for Upfront PMI. I found out in XXXX of this year that my mortgage was not insured with the FHA, I contacted XXXX Mortgage which was the lender that my mortgage was sold to a couple months after we closed. I contacted XXXX Mortgage, they 've acknowledged my claim was legitimate and a refund was issued to me for all the monthly PMI payments that was posted on my account. The last time I spoke to U.S Home capital XX/XX/XXXX, they had promised to request {$2900.00} from HUD, and now they wo n't return my phone calls, emails, I 've made numerous attempt to resolve this matter peacefully, it has been four months, they still have n't giving me the status of my refund.
Product: Mortgage

I received a collection letter from RCS Recovery Services LLc XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. This company is harassing me with calls and letters. Im in the state of XXXX protected by " uncollectable debt ''. This was a 2nd mortgage " purchase money 2nd '' - by the XXXX state law " anti-deficiency statute " The anti-deficiency statute for mortgages applies to purchase-money mortgages ( mortgages taken out for the sole purpose of purchasing the property securing the mortgage ) used to purchase a single one- or two-family dwelling on XXXX acres or less. So if you took out a mortgage to purchase your single-family home on a lot that is less than XXXX acres, your lender will not be able to sue you for the deficiency after a judicial foreclosure. XXXX Rev. Stat. Ann. 33-729. While this statute appears to only apply to mortgages, XXXX courts have interpreted it as also being applicable to purchase-money deeds of trust that are foreclosed judicially '' Please forward this complaint I am in need of protecting my credit and can not have this company report any judgment whatsoever on my credit. I would like a response to the handling of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting TRANSUNION several times about wrong information on my credit report. 

Initial contact by certified mailed letter XX/XX/XXXX To this day no response from them, they have exceeded the legal allowed 45 days to look into it. 

First complaint response " we got the info, need more time '' They were already PAST the legal allowed 45 days at this point. 

Second complaint response " we did respond '' WHICH THEY DID NOT Third complaint response " we got the information and need more time '' This is NOT ACCEPTABLE, they have exceeded the legally allowed 45 days at maximum.
Product: Credit card or prepaid card

I received a new Barclays XXXX XXXX Credit Card in XX/XX/2022. I immediately activated it using the number in the sticker. When i tried using it, it didn't work. So, i called customer service, the XXXX Barclays representative says, it is activated and i may use it the same day. 

On XX/XX/XXXX, i opened a XXXX account ( which is now under Barclays, too! ) I haven't received the XXXX  cc that i knew must be paid in XX/XX/XXXX, so i called the customer service listed on the back of XXXX XXXX. It says there my balance which is {$300.00} which i paid using the my XXXX  XXXX XXXX to the XXXX credit card # on XX/XX/XXXX. It appeared as paid per Bank XXXX XXXX XXXX XXXX. 

When i called XXXX XXXX customer service phone #, it says i still owe {$300.00} + the interest. I spoke with a representative & mentioned that i already paid, it had been deducted to my XXXX  XXXX XXXX account. When i mentioned my XXXX XXXX account #, they said it is not in the system and for me to call XXXX. I called XXXX and they said call Barclays. I have been dealing with this since XXXX. I even have to file off from work since customer service always takes XXXX or more hours to speak with. I also have records of me calling customer service rep every now and then. 

I have requested for my late fee to be waived and said please send my XXXX card asap so i may pay it ( for the 2nd time ) They said they'll just send me the extra money that i paid and wait for my check. Once i received my XXXX card, i paid using XXXX  XXXX XXXX via electronic payment. After a few days, i received a XXXX check, but the whole amount that i paid for XXXX- which means i paid and they sent it all back to me! Which means, i am not paid yet & another late fee again. I called again customer service, they said, just deposit the check to your bank then pay it online using Barclays app, which i did. 

I deposited the check, as soon as it cleared, it deducted right away to be paid to XXXX  since the check says PAID to XXXX  with its account #. 

All is all i paid XXXX. 1st via XXXX account # which is floating right now in the air. 2nd, i paid when as soon as i received my XXXX card - but the check was sent back to me. 3rd, when i deposited the XXXX check, it automatically paid XXXX since it's addressed to them for payment. 4th, when i paid using their app. 

So, now my problems are : 1. When i paid initially to XXXX XXXX, where does the money from XXXX  XXXX XXXX being paid if that XXXX XXXX account doesn't exist? 

2. Why is it that no one from Barclays and XXXX know what to do with my account? My XXXX XXXX is rising up due to this and it is not fair that i need to file for days off just to deal with them. 

3. My credit score dropped XXXX points due to XXXX XXXX account being closed and late payments ( XXXX  ) which i paid many times. How will it get fixed? 

Help please? Thank you.
Product: Debt collection

TUITION OPTIONS LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card

Chase Bank is manipulating the payment receipt date so that they can charge late fees. My XXXX payment was due on XXXX XXXX. Chase charged me a late fee because they claim they received the payment on XXXX XXXX. That is not possible. Chase received the payment on or before XXXX XXXX. XXXX XXXX is a Sunday and the XXXX does not deliver mail on Sundays.
Product: Student loan

At that time, I had accumulated over 142 months of employment as a XXXX XXXXXXXX XXXX, and currently it is 154 months ( from XXXX ). During this process, Mohela only recognized two employers ( letter attached ). Mohela also reported to the three major credit unions that I could not be located ( image attached ). Due to the unemployment I experienced during Covid, I was still catching up with bills, and unfortunately, had forgotten to pay my XXXX XXXX XXXX. As a result my mail was being returned. It has since been paid, and the updated information was provided to Mohela. 

As a result Mohela only applied two of my eight employers, I was denied Public Loan Forgiveness as a whole. I am providing copies of all eight signed and certified PSLF forms, and am requesting that my PSLF application be processed. 

It is also my understanding that a one-time account adjustment, which will provide additional credit toward PSLF and IDR for periods of repayment, forbearance, and deferment that did not normally count toward loan forgiveness. 


Thank you in advance for your assistance in this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC sent a collection letter dated XX/XX/2020, postmarked XX/XX/2020, which I received XX/XX/2020 informing me of the debt. They proceeded to report the collection to XXXX  on XX/XX/2020, to XXXX  on XX/XX/2020 and to XXXX  on XX/XX/2020, well before the 30 days violating my FDCPA right to dispute this debt ( which I have requested and have not received anything back ). I'm now sending a new letter requesting they delete this information as I have not received their investigations results and it will be 30 days this week. Additionally, I receive collection emails requests from XXXX XXXX via email for the same account, and letters from Resurgent Capital Services.
Product: Credit reporting or other personal consumer reports

'm contacting you to dispute the inclusion of this bankruptcy on my credit report. The situation is extremely worrying as I have documentation from the court explicitly stating that this bankruptcy should not be reflected in your records. Furthermore, the involvement of an unauthorized third party increases the ridiculousness of this scenario.
Product: Vehicle loan or lease

On XX/XX/XXXX, I got my van stolen. 
By then, I was 7 days late on my loan. 
I made a police report.I called Automotive credit Coorporation and let them know what had happened and I needed a forbearance since the van had my carpet cleaning equipment and was my source of making a living by using it to do my XXXX  and XXXX and XXXX XXXX  jobs. without it, I don't make money. im going through a hardship! 
Besides that, with this covid-19 pandemic, there's not a lot of jobs available I told them to wait until my insurance pays off the vehicle to them. 
With the money that I had, I had to pay my rent and bills. ACC resisted to help me, and sent me to collections. They won't work with me, plus they are reporting it to all credit bureaus, my credit score is going lower! 
On Friday the XXXX, I borrowed {$300.00} and gave them a payment. Im 64 days late and I still have a balance of XXXX with late payment fees. 
Im still not working. I even had to get rental assistance from XXXX XXXX XXXX XXXX. 
Thank you
Product: Debt collection

In my review of my credit report LVNV FUNDING LLC is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Payday loan, title loan, or personal loan

I received a call today about setting up a payment plan but have no information on this. They say it was back three years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A CONSUMER & Experian is in violation of Consumer Protection Laws, including : 1. ) 15 U.S Code 1681 ( a ) ( 4 ) - " Infringed upon a consumer 's right to privacy '' 2. ) 15 U.S Code 1681 ( a ) ( 2 ) - " No permissible purpose/no written instruction '' 3. ) 15 U.S Code 1681 ( a ) ( e ) - " Improper investigative consumer report '' 4. ) 15 U.S Code 6802 ( a ) - " Disclosed consumer information received from a third party '' 5. ) 18 U.S Code 1028 ( a ) - " Unlawful possession of another person 's identity '' After several calls & letters, I sent them correspondence in XX/XX/2021 and they refused to make the necessary changes so attached is an invoice for each violation. Further action will be taken.
Product: Debt collection

Ii contacted original creditor, they state the account being reported came up at an address unfamiliar with me, someone elses names and said they would investigate. The collection company refused to provide any information requested and refused to remove.
Product: Mortgage

This is in continuation to complaint XXXX which Quicken Loans has closed without providing a resolution. 
I have attached a document which is the estimate and it shows adjustment and credits of {$6800.00} and they never gave explanation of this amount. They said that the tax credits was {$5300.00} so if that is the amount then how come they gave me a document which shows {$1500.00} more credit and it can not be earnest money deposit as it is mentioned separately in both the documents. 

So now they are contradicting their own statement and they didn't answer any question what I asked. I never attached the document which shows {$5300.00} and I asked the explanation of {$6800.00} but they didn't mention it in their reply. So if the tax credit was {$5300.00} then that means they applied additional discounts in the initial estimate at least for the amount of {$1500.00} but they took it off when they saw that closing amount is less and I am asking for the same credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023. Its been well over 30 days, I still have received anything back According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX. Transunion. and XXXX have 30 davs to respond to my dispute This a violation of my rights.

Receipt and tracking number from United States Postal Service. 
Tracking number : XXXX Receipt number : XXXX
Product: Checking or savings account

*** This is NOT a duplicate complaint*** I was told by CFPB representative to make sure that I put that sentence in the top headline. I have made over 10 phone calls to the CFPB and months of phones to Wells Fargo Bank. 

I note CFPB Complaints : XXXX XX/XX/2020 XXXX XX/XX/2020 Wells Fargo has refused to give me records of all my accounts opened and closed with their bank since inception. Wells Fargo has lied to me and to the CFPB on numerous occasions. In the last answer to my complaint, Wells Fargo ( WF ) promised to reach out to the CFPB and to me which they never did. WF in their answer submitted a false link file in which it was unopenable by myself and unopenable by the CFPB. I have made numerous phone calls identifying this direct refusal and misdirection of resolve. WF closed my accounts which had several fraudulent transactions on them, these included fake sham accounts that their bankers had opened and closed, when I recognized these large charges in the thousands of dollars and complained ( See XXXX Charge : XXXX XXXX ), WF closed these accounts and offered me no remedy in repayment. They have caused irreparable financial harm to me. In my last complaint where I asked WF to remedy their harmful actions and sent me ALL my account information and statements Wells Fargo provided a false link which was unopenable and for me and the CFPB. WF has gone out of their way to cover up their frauds, they have caused me tens of thousands in dollars due to their frauds, refused to provide me with accounts as the are legally required to do, and lied to the regulators which a criminal act. 

I have been dealing with these issues for years now and this has cost me money and hundred of hours of my time. Their actions are deplorable and they certainly are not living up to their promises by their past 2 CEOs and lied to several government committees including the Senate Committee on Banking, Housing, and Urban Affairs. They have not honored their agreements to penalties by the CFPB and to their own promises to remediation. 

I look forward to the positive changes that your regulating body, the CFPB, will enact based upon these continued frauds that have been exposed dating back a decade now. Please also consider the several class-action lawsuits that have been recently filed over a series of issues. I have been seeking remedy for these frauds for over 6 years now with NO proper resolve. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX XXXX Balance : {$7600.00}.
Product: Debt collection

My final payment was made to XXXX  on XX/XX/2023 in the amount of {$130.00}. I called and closed my account on XX/XX/2023 and was informed by the representative that I had paid my balance in full and didnt owe any other payments. 
I received notice from XXXX that my score has been impacted because I had a bill sent to collections by Frontline Asset Strategies. I called XXXX today and spoke with XXXX ( reference # XXXX ) who informed me that I should have received a final bill in the mail in the amount of {$830.00}. I informed her that I had proof in my e-mails that I was registered for paperless billing so I should have received an email for that bill instead of postal mail. 
Not only was the final bill sent to the incorrect address but I was also never notified that my bill was sent to collections nor did I receive any form of communication by the collection agency that my bill was received by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I AM VERY FRUSTRATED. MY RIGHTS ARE BEING VIOLATED AS A CONSUMER. It has been brought to my Attention that the Credit reporting agencies are Willfully Neglecting my rights as a consumer. I have reached out to the Both THE bankruptcy Court of my county as well as XXXX XXXX which they have stated are the verifying of this data .I have correspondence from THE BANKRUPTCY COURT that they in fact do not report anything to credit reports. SO WHY IS IT REPORTING THAT ON MY CONSUMER REPORT! THAT IS NOT 100 % ACCURATE ACCORDING TO 15 USC 1681e ( b ). I also have no contract with this company allowing them to REPORT to my consumer reports. THIS IS INDEED FRAUDULENT AND I AM DEMANDING THESE ACCOUNTS BE DELETED.

YOU ARE IN VIOLATION OF 15 USC 1681e ( b ) - MAXIMUM POSSIBLE ACCURACY 15 USC 1681a ( 4 ) - ACCURACY AND FAIRNESS 15 U.S. Code 1681c2 - Block of info 15 U.S. Code 1681b - Permissible purposes of consumer reports