23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Here we are again! here is the original complaint, which was NOT addressed, no breakdown as to why I didn't qualify for the first forgiveness. Nor an explanation as to what happened with my original terms. They responded to me with some blanket statement and today I get another ludicrous letter from them. 

FIRST - Right or Wrong under Joe Bidens initial forgiveness, I met the qualifications and was over looked, I asked for a review that never happened. SECOND - on XX/XX/XXXX I thought I had finally gotten the review I was supposed to and was notified for DEPT OF ED, that my account was put in forbearance while the review was being done. THIRD - Today XX/XX/XXXX I get a notification from AIDVANTAGE saying the new payment amount is XXXX ( from the original XXXX ) for the next 5 months then there after for the next 10 years for {$1700.00}. This number is similar to the one they presented me with last year, and I asked the same question, I don't have an extra {$1700.00} of disposable income and what were my alternatives, they told me there were none, and failure to pay could result in wage garnishment or I can file more forborances which after those are exhausted I would begin my XXXX repayment over the next 10 years. How many people will become homeless or go hungry? Before XXXX I was enrolled in a program, that my payment would be XXXX over the next 30 years and now that time frame is no longer offered. I don't know where to turn, and not looking NOT to pay, but need the original 30 year payment plans with the same offer of paying 120 payments for the loans to then be completed. I have contemplated so many things and I just don't know what else to do. AID VANTAGE literally should not be running any programs as they are incompetent, in over their heads and don't have the manpower to answer questions in a timely manner Thank you very much for your review.
Product: Credit card

In about the last year, I have only charged XXXX different {$35.00} charges on my Comenity Capital Bank credit card. In XXXX I charged {$35.00} for turnpike XXXX XXXX, and the same charge was made in XXXX. The {$35.00} charge was paid and received by the company before the due date. They claimed it wouldnt go through and charged me a {$30.00} late fee and {$2.00} interest. Even though I disputed this all they did was change the late fee to {$15.00}. I checked with my bank and the request was never presented to them, so why am I charged {$17.00} for this. After multiple phone calls with no resolution, the customer service representative suggested filing a dispute I did that as you can see from the pictured letter. Whenever I have had a disputed charge with other credit card companies ( although those were with a vendor charge that should not have been made ), the credit card company puts disputes on hold ( not charging interest or late fees until the issue is resolved ). That was not the case with this company. They just kept charging and charging {$40.00} late fees plus interest. When I got the letter of refusal of my dispute, I mailed them a check for another {$40.00} and asked them to stop sending bills. I have already paid them {$120.00} for {$70.00} they paid the vender. That means they already made {$57.00} profit. I cant believe they are still trying to collect another {$190.00} just for printing statements that cost them pennies to send. I even tried to explain to them that we have been and are continuing to deal with major medical issues with our daughter since XXXX. I am not one to take lightly my responsibility to pay my bills. We pay on time and in full our XXXX, XXXX, and XXXX cards. We have an excellent credit score ( around XXXX ). We live paycheck to paycheck and do not have money to pay excessive unfair credit card fees ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Reporting Act, XXXX  XXXX Acct # XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX Acct # XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Acct # XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

Updated/New Information to previous claim On XX/XX/22 Capital One Auto Finance responded to a letter I sent to them regarding my auto loan. In there response they indicated they indicated that they did not do anything wrong nor did they not violate my consumer rights. On XX/XX/22 I send a cease and desist letter detailing the following violations they committed against me the consumer. 
15 USC 1662b a cash payment can not be mixed with a consumer credit transaction 15 USC 1605 violated TILA ( Truth In Lending Act ) by not including all fees in the finance charge such as auto insurance. All fees should be included in the sum of all charges. This violation makes the contract fraudulent. Capital One nor the dealership never disclosed this information which is another violation. 15 USC 11 states the criminal and civil liability for willful failure to disclose this information is a XXXX penalty and imprisonment for up to 1 year. Capital One also stated that I owe a debt to them in the amount of XXXX. 18 USC Code 8 states that all debts public and private are already paid for. When I signed the contract and it was submitted the loan was already paid for. This is another violation of my consumer rights. Next Capital One Capital One violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ). They assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. 15 USC 1681b ( a ) ( 2 ) states that you may furnish a consumer report if written instructions were given by the consumer. This is a violation of my rights as I never gave Capital One permission to obtain, release, or report any information to any third parties which includes consumer reporting agencies. Capital One committed identity theft under 15 USC 1681c2 by taking my private transaction between myself and Capital One and furnishing it to a consumer reporting agency without my permission. According to 15 USC 1692a Capital One has been engaging in abusive practices and deceptive forms. I have outlined in my letter the violations that Capital One has committed and the remedy that I am seeking.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. I sent out a certified dispute ( Certified mailing number XXXX ) to Experian. In this dispute letter I clearly disputed with proof of error between Experian and XXXX Credit report, The creditor XXXX XXXX XXXX XXXX # XXXX. In This letter I provided copies of the erroneous errors and the inaccuracies between the information provided from both credit bureaus, ( Which I have provided copies to this complaint as well for official use in regard to escalating this matter with the attorney general ). 

Pursuant to FCRA 15 U.S.C 623 " A furnisher of information, such as Experian and XXXX MUST NOT furnish inaccurate consumer information to CRA '' Experian and XXXX have both openly and willingly taken apart of violating i5 USC 623 and doubled down by also partaking in both Unlawful Business Practices as well as Unfair Trade Practices being that this is now affecting my credit and causing me treble damages being Experian and XXXX are providing inaccurate and egregious information. 

The letter was sent out Certified mail and Experian received my Certified dispute letter on XX/XX/XXXX, of XXXX. 

By FCRA Experian and XXXX MUST REMOVE all inaccurate information from my credit report in which they failed to do even upon receiving clear proof of inaccuracy. Under FCRA Experian nor XXXX have the right to FALSELY claim nor state that the item is " Verified as Accurate '' NOR Choose to " Update '' any accounts after being shown the inaccuracies. ALL accounts with any discrepancy, inaccuracy or false information pursuant to FCRA MUST BE COMPLETELY REMOVED from a consumers credit file!! Which They did not do. 

I received an email today XX/XX/XXXX that " My dispute results are in '' Which is very very strange because Experian nor XXXX NEVER opened an actual dispute in this matter and no dispute statuses were ever given. HOWEVER, Somehow 10 Days after receiving my certified letter, Experian Claims that they partook in " Verifying '' the information which to be frank, is a flat out lie. There is NO WAY an accurate Verification process took place from Experian or XXXX 's end within 10 days. Please note that in this disputed letter I sent I also requested a METHOD OF VERIFICATION from both Experian and XXXX in which I never received. 

Experian and XXXX have now breached FCRA law and Consumer rights. I as the consumer did my part by providing proof of inaccuracy and requesting the item being completely removed from my credit Reports. BOTH Experian and XXXX yet again, decide to openly break FCRA and Consumer law by partaking in frivolous, unlawful business practice, and unfair trade practice.

Please be aware that in the attached files the most recent dispute response from Experian DOES NOT show any creditor or account number that was supposedly disputed but somehow was verified as accurate.

Please note and be aware that this complaint is for documentation and escalation purposes, as this will be used for the purpose to show good faith from my end in this matter prior to filing this issue with the Attorney general and a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I received an email from a XXXX XXXX agent named XXXX XXXX regarding a matter concerning a XXXX XXXX XXXX from Georgia. My name is XXXX XXXX XXXX, not from Georgia. I soon noticed an increase in my auto insurance and insurance claims from previous years on my consumer reports for accidents Ive not been involved in. I attempted to reach out to XXXX XXXX ' office and never received a response. I also contacted Lexis Nexis and was told that my personal info was sold to them by XXXX XXXX and that XXXX XXXX would need to rectify the matter. I've tried various means of rectifying this over the last year, including contacting XXXX XXXX directly but I'm always given the run around. Someone, either XXXX XXXX or Lexis Nexis,  owes me for the extra money Ive had to spend on auto insurance and whatever else has been impacted from this false data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked for Ad Astra Recovery Services to provide ALL OF THE FOLLOWING : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 

AND 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( Ad Astra ) the exact amount claimed of {$1500.00}. They also placed a remark on my account stating, " Account information disputed by consumer, meets FCRA requirements. '' No, this does NOT meet FCRA requirements if you FAILED to provide me all of the information that I requested. On multiple occasions, they failed to provide me with " HOW '' they validated the debt that I supposedly owe them. 

Also, the FCRA states that all data being reported must meet specific criteria such as : 1 ) information being 100 % timely, 100 % accurate and 100 % verifiable. If they couldn't verify the debt properly, how does this meet FCRA requirements? This is clearly a violation of my rights as a consumer, therefore, against the laws. I have no contractual obligation to Ad Astra Recovery Services, therefore, not owing them any debt. 

I've sent them letters ( And to the Collection Agencies ) dating back to last year and these dates are as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  merely verified that the account in question, SEARS, listed the amount past due correctly. My complaint was that I did not owe SEARS the amount as the account was XXXX   when the items were returned. SO I didn't owe SEARS any money at any time. XXXX   completely did not understand the issue. SEARS needs to fix the bookkeeping error. Item was a dryer. Purchased in XX/XX/2018. Returned XX/XX/2018 because it took SEARS that  long to get someone out to pick it up. The company was at fault. Meanwhile a {$27.00} payment came due and the account never got credited or updated to eliminate the {$27.00} payment that was no longer owed due to the item being returned. I have a letter from SEARS crediting the account but it is not in the statement. It is simple billing error and no one is following up. It just takes one genius ... .please if you're out there this is an easy one ... none  of the customer service reps can follow what I'm saying and my credit has been ruined. It's true SEARS has that amount listed. However, it is not true that I owe it.
Product: Checking or savings account

On XX/XX/2022 I wrote a check to a vendor for {$100.00} and mailed it though the XXXX. On XX/XX/XXXX I received an email from Wells Fargo that I had insufficient funds. I immediately logged on to my account and saw that the check in question was fraudulently changed from {$100.00} to {$2800.00} and the payee was changed to " XXXX XXXX. '' It is clear upon seeing the bank scans of the front and back of check that payee and amounts were " whited out and changed. '' I have attached pictures of said modified check. I have also made NO progress with Wells Fargo Bank when I immediately notified them of the problem. I have filed a complaint with the Pennsylvania XXXX Police - Case No XXXX Identify Theft - through the XXXX State Police , specifically XXXX XXXX who has been managing this case. The State Police contact is : XXXX XXXX XXXX, XXXX, PA XXXX XXXX
Product: Money transfer, virtual currency, or money service

I keep trying to cancel a Google payment and every time I send the email for them to cancel my account they charge me double again and again
Product: Credit reporting or other personal consumer reports

I have sent letters to the company and credit bureaus to remove inaccurate account from my reports and they haven't. I do not owe this and this account is not mine.
Product: Debt collection

I was rear-ended while stopped at a red light on XX/XX/XXXX. The other driver was completely at fault as determined by the police, my auto insurance company and the other driver 's auto insurance company. I received medical treatment for the injuries I sustained in that accident from XX/XX/XXXX to XX/XX/XXXX. Although this matter and all resulting bills is involved in litigation, I was still sent to collections. Once the collections agencies were notified these accounts were involved in litigation two of the agencies halted all collection attempts. However, two other agencies, XXXX and Americollect, still tried to collect the debt. After several calls to each, they did stop calling me but did report me to XXXX and XXXX. I disputed with each bureau. XXXX  immediately removed it from my credit report but XXXX denied the dispute on the basis the collection agencies claim they are valid bills. I disputed a second time with the same result. XXXX admits they did not try to validate the accounts are in litigation. I have opened a third dispute and am awaiting the result.
Product: Credit reporting or other personal consumer reports

Obtain receiving and reviewing my consumer report. I noticed inaccuracies in my report. This is a clear violation of 15 usc 1681 b which states It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. For account # XXXX XXXX TransUnion have this account late on XX/XX/XXXX until XX/XX/XXXX and XXXX have this same account late from XX/XX/XXXX until XX/XX/XXXX this is the same account it is two different start dates of the late payments. Which make the information on my report inaccurate. This is not an attempt to verify no account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need immediate attention on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response and its been well over 30 days. This is absolutely unacceptable Ive been through enough hardship especially through this pandemic were in. Also, I will be filling a complaint with the XXXX due to the mistreatment and unwillingness to help me resolve this hardship the Chex System has brought upon me. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the XXXX  data breach and XXXX  data breach it seems it got into the hands of the wrong person. Also, I've had my wallets stolen with all my personal information in during this pandemic. I filed a FTC report in regards to this situation. I need this taken cared of immediately.
Product: Consumer Loan

Bank of America suspended my wife and I use of my home equity line of credit effective XXXX XXXX, XXXX. I received this notice through the mail on XXXX XXXX. BOA said this suspension was based upon the decreased equity available in my home. I called up BOA and said they have never been to my home and this was based upon a formula. I asked for the formula and was declined this information. I live in XXXX XXXX Maryland where the home values have increased and not decreased since the home equity loan I took out in XXXX XXXX, XXXX. Since then I have made substantial improvements on my home. Since opening the home equity loan both my wife and my credit scores have also increased, although this was not in contention. I also paid a significant portion of my load down in the pst few months. It is my contention that they are doing this without due process., without due diligence and are artificially devaluing my home without the correct information needed. In the same XXXX XXXX notice, they make it incumbent upon me and my wife to bear the burden of proof that my home value has not decrease and request a reinstatement. This is insulting and just plain wrong. I believe I have suffered injury as my family 's credit has been significantly altered by this outrageous, unthoughtful decision. This is also a defacto breech of the Deed of Trust that BOA agreed to ( see page XXXX - Assignment of Miscellaneous Proceeds : Forfeiture. ) as BOA has failed to prove loss in value of my property and requires me to.