23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Submitted settlement offer letters paying GLA Collections the full balance of my collection accounts totaling up to {$380.00} on XXXX. Received a call today stating that they would not accept the payments due to not being the full amount, although those were the total balances reporting to my credit report. Followed up with a supervisor who then told me the actual amount has increased to XXXX dollars in full. He also told me submitting a total of {$620.00} would settle the accounts although he just stated they do not take settlements. My credit report that was pulled on XXXX/2016 is reporting separate balances of {$150.00}, {$110.00}, {$56.00}, and {$56.00}. In the settlement offer letter submitted i stated if they do not accept the payment to submit the money orders/payments directly to me which they have not done. Please advise.
Product: Debt collection

This complaint is following an attempt by XXXX in collaboration with XXXX XXXX to defraud a customer for services they did not provide. I had filed a complaint against XXXX  in 2022 for a full refund of the money I paid to them for service that was never received after a representative of XXXX XXXX misplaced the birth certificate of our daughter jeopardizing our planned vacation trip. To add salt to the wound, XXXX did not only refuse refunding the money we had paid to them, they are attempting to ruin my credit by sending the balance to collection. This is nothing short of a mean and heartless set of individuals out to rob united states citizens of their hard earned money and credibility. XXXX, through a collection agency known as JEFFERSON CAPITAL SYST, reported a balance of {$780.00} after withholding over {$1200.00} that should be refunded. This credit reporting has caused damage to my credit score and it is affecting me negatively which goes to buttress the reason for filing this complaint as this is a mean-spirited move by uplift and all involved to further ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied employment around XX/XX/XXXX due to my credit score and delinquent student loan accounts. So I pulled my credit and found that XXXX had placed several student loans on my credit report. 

I currently have three student loans reporting that I owe XXXX  {$8500.00} and after interest I owe {$11000.00}. 

On XX/XX/XXXX I sent out disputes to XXXX, XXXX  and Transunion indicating XXXX is reporting 3 separate accounts with the same exact dollar amount. All 3 Credit bureaus sent back accounts have been verified. 

I havent received a Debt verification indicating I owe {$11000.00} times 3 to XXXX. 

All three credit bureaus are reporting the following debt owed to XXXX  XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current
Product: Credit card or prepaid card

My Best Buy card was never not in my possession Purchases were made on my account in Best Buy store without the physical card in the amount of {$1200.00} and {$220.00} on XX/XX/2019 and XX/XX/2019 respectively. 
I reported this to Best Buy immediately. The charges were reversed, the card was closed and a new card was issued. The following month the charges were added back to my new account. 
I have spoken with Best Buy customer service approximately 15 hours, written emails on my account, sent a detailed written letter on XX/XX/2019 in an attempt to resolve the problem. I received no response from any of my attempts to resolve this matter. 
Best Buy refuses to reverse these charges, continues to accrue interest and continues to report the account as delinquent to the credit bureau.
Product: Student loan

XXXX XXXX XXXX XX/XX/XXXX Address address XXXX XXXX XXXX XXXX XXXX XXXX until XX/XX/XXXX Mohela XX/XX/XXXX Loan # XXXX Loan # XXXX XXXX XXXX XXXX  requesting refund for loan paid off to XXXX XXXX XXXXx My name is XXXX XXXX , I became aware of the Lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX in the summer of XXXX. At that point I had paid off the lesser loan with the XXXX It was somewhere around {$2000.00}. 

I have filed w/ the Dept of edu ( XXXX XXXX to repayment ) in XXXX of XXXX, At that point, one of the XXXX XXXX XXXX loans had been paid off in the amount of XXXX This was a XXXX Loan. 
In addition, and in addition I was approved under PSLF finally in XXXX of XXXX According to Mohela , and the PSLF department I hit the 120 day count in XXXX XXXX XXXX 

However according to that department, I would not receive a refund for the paid of XXXX XXXX XXXX loan, because it was paid in full in XXXX.- I also as to date have not had my credit bureau corrected with XXXX, XXXX or XXXX in accordance with the settlement. 
I have called XXXX, MOHELA, XXXX XXXX, and everyone I can think of to get this straightened out. 

Per the XXXX XXXX XXXXXXXX Settlement, any funds paid to these loans that existed would be refunded, So, therefore even though the loans I had in total were forgiven under the PSLF program, the date that those met the standard was XX/XX/XXXX. Any funds toward XXXX XXXX XXXXXXXX paid prior to that should be refunded. 
Here is an excerpt from that letter. 
provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ). 

I recently checked my credit reports, which still show derogatory reporting in XXXX another condition of this settlement. 

I have contacted XXXX, Mohela, XXXX XXXX to repayment with no resolution. Please advise what if any steps need to be taken to receive this refund. 




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

In XXXX, I got a {$2000.00} loan from Avant credit online.I paid for nearly a year, and after they automatically with drew a payment from my checking account, by mistake ( I'd switched to paper payments ) .they swore they didn't then tried to make me pay another payment! I filed for bankruptcy in XXXX, due to ANOTHER crooked outfit, a collection agency out of XXXX XXXX , Nevada , claiming I owed {$300.00} for magazines, that I didn't receive one issue from, nor one statement from! ), and quit paying them. I eventually couldn't file bankruptcy, and had a the lawyer that was supposed to have started the bankruptcy, try to get the creditors to settle a smaller amount for me.They didn't comply, thought.This past month, my credit score plunged 60 some points, due to them pushing late payments and an increase in the amount I owed! I am devastated, as I was getting ready to get a loan and pay up the bills left off from the attempted bankruptcy in XXXX.They never called me, sent me one statement, seemingly wanting to make my credit worse!
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.
Product: Checking or savings account

This account is a student account that I opened in XXXX. This checking account is from Citibank and has no fees. They no longer have this program but grandfathered me in to continue using it as such since I have been with them for years and have had no problems which means the fees are waived. I dont keep a lot of money only enough to keep it open since I am currently waiting on a XXXX SSI/SSA claim. I had an ending balance of {$2.00} that I never withdrew as of XX/XX/XXXX. As of XX/XX/XXXX I was given a fee of {$12.00} without warning and right after an overdraft fee of {$34.00}. My account says that It is overdrawn - {$43.00}. I currently dont trust this bank anymore as I also believe they reordered my transactions to charge fees.
Product: Credit reporting or other personal consumer reports

I have tried to get information that isnt mine removed. Im a victim of identity theft and yet this major bureau refuse to remove it.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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. 


( XXXX XXXX, XXXX XXXX, XXXX, 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: Student loan

The last three months of XXXX ( XXXX, XXXX, XXXX ) & first three months of XXXX ( XXXX, XXXX, XXXX ) I was never informed of having to begin paying back my loan. I never received any email, phone call or mail informing me of repayment date. I reached out to try & resolve this matter, but I never have been able to get any help and gave me these late payments. I now can not get approved for a mortgage because of this mark on my credit and the lender can not help me with this unfair situation.
Product: Student loan

Last semester I failed in college, I made appeals, I talked to my advisors and I received a letter that I owe around {$6000.00} and I don't understand why I didn't receive any notice before and it's unfair. I am poor, I don't have a job and I have tried to do everything possible and look for solutions but I don't understand why this letter charges me so much if I have filled out the Fafsa and been on time.
Product: Credit reporting or other personal consumer reports

An unauthorized item have appeared on my credit report due to the fraudulent use of my personal information, and I have not benefited from these transactions in any way. Taking this matter seriously, I filed a report with the Federal Trade Commission, expecting a resolution. However, despite following the proper steps and reporting this fraud, this item remains on my credit report. This situation is extremely frustrating and stressful, as I am left dealing with the consequences of someone else 's misuse of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. 

XXXX XXXX
Product: Debt collection

I received 6 calls a day from a blocked restricted phone number from Comenity Capital Bank. I also received numerous calls from unblocked phone numbers as well a day.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$1900.00}, XXXX XXXX XXXX XXXX Balance {$710.00}, Portfolio Recovery Balance {$820.00}, XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2300.00}, XXXX XXXX XXXX Balance {$1600.00}, XXXX Balance {$450.00}, XXXX  Balance {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The Bureaus are govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681, I have the right to privacy and I did not give a written permission to furnish these accounts. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of XXXX XXXX I been calling ability recovery to remove all fraudulent medical accounts off my credit report I also sent copies of my police report & I also spoke with customer service agent his name was XXXX he told me that the fraudulent medical account will be remove! No progress yet
Product: Vehicle loan or lease

Hello, My name is XXXX XXXX XXXX XXXX paying a car is in my dads name but my father pass away in XXXX XXXX I notify TD Finance that my pass away that i need information is this account have a insurance policy and was i the next step. I keep writing to them that i dont have any information of this account, i been paying and i dont have any proof of my payments, balance, and I still waiting is this account have any insurance policy and the next step. In XXXX XXXX they ask me for the death certificate and the beneficiaries declaration and nothing more. I been paying without any proof of payments or account information and I been asking for a moving certification because i have to move to XXXX XXXX and nothing happen. I need help asap because I just decided not to pay anymore. Account # XXXX
Product: Checking or savings account

I have tried for several months to contact Bank of America to close my checking account. The company does not provide a way to submit a message from my online access to the account. It also does not answer the number provided for customer service. I have tried 6 times and waited on hold for 10 to 30 minutes but never been connected to an agent. 

Therefore, I decided to draw down the account balance down to XXXX with an ACH transfer. Instead of sending me an email to inquire the reason for the XXXX balance, I received a notice of a LOW BALANCE. I tried again twice today to call their customer support line but got no answer. 

Because of the pandemic, I do not go into offices unless it is a doctor 's office. Despite this fact, BoA has done nothing to improve remote communications for routine matters, such as account closures and everyday messaging. I have accounts at at least 12 other banks and none of them are as inaccessible or inconsiderate of their clients ' time. 

I have no idea if they will try to levy some kind of fee because I am terminating my relationship with them. However, I hope that you have more clout than a mere customer does and can get their attention on this matter and demand that they close the account and remove my information from their system. 

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

I was denied a employment opportunity due to a charge off item as Bad Debt in the amount of {$8300.00} I contacted the creditor to arrange a payment plan. They refund to enter into an amount or agreement with me. Full payment was requested only! 

They have refused to enter or offer any repayment agreement with me for the balance other than full amount now!. This has resulted in a major job lost opportunity. 

Please review letter of explanation below. Request for payment schedule. 

OMB # XXXX
Product: Vehicle loan or lease

For the last year I have had a Santander account that does not belong to me reporting to XXXX and XXXX agencies. I have contacted Santander and was told there was no balance associated with me, but that my name, date of birth, and social were on file. I made them aware that I have never applied for any credit from them, or previously had an account with them. I also contacted the credit bureaus and was told this was fraudulent information, and that upon contacting the creditor this issue would be resolved. I was told by Santander almost a full calendar year ago that i would receive a letter in the mail detailing how they received my information and i have yet to receive this. XXXX was able to confirm this account did not belong to me, and months later reinstated another Santander account in the form of a credit card with different dates and balances. I have been kept from following through with my mortgage because of these constant challenges with a creditor who is not willing to respond with any valid information or work with a person who has been a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE AND UNAUTHORIZED ACCOUNTS AND INACCURATE ADDRESSES ARE ON MY CREDIT REPORT.
Product: Mortgage

Amerisave Mortgage previously returned my {$500.00} app fee but also stated that there were not 2 loans, but only 1. Yesterday, XX/XX/20, I called XXXX ( XXXX ) XXXX re : my loan number ( XXXX ) with XXXX because of some up-charging on my auto draft from my bank that I found on XX/XX/20. XXXX informed me Amerisave made two ( 2 ) requests for payoff for 2 loans with Amerisave. Something is not right here with Amerisave. I have to wonder if this makes them more money somehow as this was done without my knowledge or consent. What possible reason would a person refinancing have to ask for 2 seperate loans to accomplish a single purpose!!!! This question has to be answered : " Does this happen often with Amerisave in order to make them more money on loans? '' I think they owe me {$60.00} for my trouble and XXXX XXXX XXXX. Please feel free to check with XXXX. I am outraged this could be happening to people like me. Are there others?????
Product: Debt collection

Firstsource Advantage has been contacting my place of employment as well as my ex husband daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, Transunion, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car in 2021 from XXXX and too find out later I was basically scam by the dealership and was paying interest only on the car while my credit was XXXX and the con me and was also reporting to the credit bureau false information. Found out later on the news all the cars that were bought during that time was reported false information on people credit and also gave bad loans. So the car I bought was XXXX when it was supposed to be XXXX. On top of that due to the stress I had all the banks deny me from their in house lending to the point solicitors kept calling my phone and I ended up with another auto lending named auto approved and they basically find bank who can finance and take over the loan with a lower interest and rate and they screwed me over and bought the car but raised my payments from XXXX to XXXX and it kept switching and onto of that lied to me about refinancing saying I had to wait a year when it was not true and because of that Im in default and can recover financially.
Product: Credit reporting

Due to the bankruptcy of the company I worked for I defaulted on my agreement with the IRS. The IRS put a lien on my property. A few days later my credit score dropped more than XXXX point. We spent the last few years cleaning up the problems and the IRS removed the lien and the credit reporting agency, Trans Union removed the record but my credit score did n't go up an iota. It is a one way street looks like. I know that it took an act of congress even to get to the point of them removing the record, but if the score is n't changed than they are showing a finger to the lawmakers and indirectly to you. 
Please investigate the matter. If you need more information I am more than happy to provide it. I do n't think I am the only one with this problem.
Product: Credit card or prepaid card

I have a credit card through Citizens Bank NA. I have made all payment on time since the inception of the card. I enrolled through the Alert system for the credit card at the time of setting up my online account. 

When logging on to make my XX/XX/XXXX Payment online on XX/XX/XXXX, I had rewards in the amount of {$25.00}. I used the rewards to credit the account balance. The bill pay feature then showed my new payment due XX/XX/XXXX with a new minimum payment. 

I logged back into my account on XX/XX/XXXX to check my transactions and I was notified that the XXXX payment had not been made, even though the credit is reflected in my transactions. I immediately made the payment in full. 

On XX/XX/XXXX through my credit monitoring software I was notified that my credit had decreased over 35 points due to a balance decrease from the Citizens Bank credit card for over XXXX of the previous balance ( from {$3800.00} to {$900.00} XXXX. 

When I called the credit card services department on XX/XX/XXXX, the late fee was waived due to the circumstances surrounding the late payment. I was transferred to a supervisor XXXX who spoke down to me like I was a child and recommended credit repair companies for one late payment and a credit limit decrease. When I explained the situation he told me that even though the fee was waived as a courtesy, and even though I have the alerts system set up and was not notified, that a letter was sent to me after I made the payment and the account was up to date in regards to the late payment. 

I was told that the company is not in any way obligated to notify the customer ( other than in the letter ) that the payment is late and that I would not receive any communication in regards to the credit line decrease and that my only option was to have a manual balance increase request done which would add another negative impact to my credit. When asking to speak with another supervisor I was notified that I could but I wouldn't get anyone on the phone as they are busy. 

A letter was sent out in regards to the late payment after the payment was rectified. The letter has not yet been received by me and it is now 4 business days later.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureaus consumer report and I noticed inaccurate information posted on my consumer report : XXXX XXXXXXXX XXXX Balance {$0.00}