23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

School : XXXX UniversityLocation : XXXX, NCMy father was paying off XXXX of my Loan To Learn student loans until his passing in 2012. I have another Loan To Learn account that I pay monthly and that is still in good standing. Loan To Learn sent the loan my father had been paying into default and sold the loan to a lawyer in XXXX, NC without my knowledge. I was never made aware of this in any way until I ordered a free credit report and discovered a delinquent loan on my record. I called Loan To Learn thinking it was a mistake. It was n't. I told the customer service rep that the lawyer who Loan To Learn sold my loan to had never contacted me and I did not understand how this was legal. She said I could try sending my dad 's death certificate to the lawyer to see if he would " work with me ''. 

The customer service rep then gave me the lawyer 's contact information ( XXXX in XXXX, NC ). I called XXXX XXXX XXXX and explained my situation to the man on the phone, and then asked how much I would need to pay monthly. He laughed and replied, " Make me an offer. '' I offered to pay {$350.00} a month. He replied saying " they '' originally wanted {$500.00} a month. I asked him who " they '' were and he said XXXX. 

I said I could n't afford to pay {$500.00} a month on top of my other student loan bills, and he said to email his office my father 's death certificate to see if that would help. I obtained my father 's death certificate and emailed it to XXXX XXXX XXXX. A woman named XXXX responded to my email writing that the client declines my offer and requests {$400.00} a month, and asked if I could accept the counteroffer. I responded that I could not pay that amount each month. I then requested a written validation of the debt for my records. 

XXXX XXXX XXXX then sent me a letter saying that they will recommend that their client file suit if payment is not received within the next 30 days. The letter stated that " every legal step necessary will be exercised in order to collect this debt, including execution by the sheriff should judgement be rendered. '' They also began calling me at work. 

I replied again via email and said I could not pay {$400.00} a month, and have not heard from XXXX XXXX XXXX since then. 

I just want to pay my student loan at a reasonable monthly rate. This situation has wrecked my credit score, and I did n't even realize it was happening until I ordered a credit report. I do n't think asking for a monthly payment lower than {$400.00} is unreasonable. 

If I had never ordered a credit report and consequently reached out to Loan To Learn, I would have never known they sold my loan to XXXX XXXX XXXX. I 've made every effort to be proactive and pay my loan to no avail.
Product: Credit reporting or other personal consumer reports

As per the guidance from the CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls uder XXXX XXXX  accourding to XXXX XXXX XXXX rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$0.00} XXXX bal. {$0.00} XXXX bal. {$0.00} XXXX bal. {$720.00} XXXX XXXX. {$1100.00} XXXX XXXX XXXX XXXX XXXX. {$3300.00} XXXX XXXX XXXX. {$5200.00} XXXX XXXX XXXX XXXX XXXX. {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vanity from XXXX XXXX on the credit card in XX/XX/2021. I ended up returning the vanity. I got billed a XXXX $ balance so I called to see what it was and they said I was charged a late fee and they would take it off. I was told my balance was XXXX XXXX The next month I was charged a late fee again. I called and they said it was a mistake and they would take it off. This continued to happen every month. In XXXX i closed the account in hopes the late fees would stop accruing but it didn't work. Every month I called and XXXX XXXX would tell me it was a mistake and they would take it off and the next month I would get charged a {$29.00} late fee. When I called in XXXX I was begging the representative to let me talk to someone that could help me because merely just removing it every month wasn't working. She finally figured out that every month I was charged a XXXX $ late fee I was also charged a {$2.00} interest fee that the other representatives were not removing. She promised me this would work. In XXXX i got a balance of {$25.00} which I was unsure of where that amount came from but it was low enough that I just paid it in frustration because I was tired of calling. That finally worked and I stopped getting fees. My XXXX XXXX dropped over XXXX points over this and I disputed it online but nothing changed.
Product: Credit card

I would like to address a few important points related to the recurring payment process and compliance with applicable laws. What you see in the system today is a recurring payment on the XXXX that is generated by your system. My selection is due date, not the XXXX and the system calculates that date. This complaint is not regarding a due date changes, this complaint is against the late fees that are getting charged to my account because your system doesnt draft on the DUE DATE. It sticks to the due date that is set up originally and it doesnt change and this is against the efta XXXX tila and the ach regulated laws. 

According to the Electronic Fund Transfer Act ( EFTA ), specifically 15 U.S.C. 1693e, financial institutions must provide consumers with clear and accurate information about the terms and conditions of any electronic funds transfer, including recurring payments. Furthermore, the Truth in Lending Act ( TILA ), 15 U.S.C. 1602, requires lenders to disclose the terms of payment clearly, including the due dates of recurring payments. 
Additionally, the ACH ( Automated Clearing House ) rules governed by the National Automated Clearing House Association ( NACHA ) mandate that financial institutions process ACH transactions accurately and timely, ensuring that recurring payments drafted from customer accounts occur on the scheduled due date established by the bank 's system.

I set up my payments for your system to draft on the " due date '' as the selected option, which your system indicated was the XXXX of each month. However, approximately XXXX months later, I notice that my due date changed to the XXXX and continued to change repeatedly. Despite these changes, your system did not draft my account on the new due dates. How is this the consumer 's fault? Refund all the fees associated with your bank system errors not adjusting to the actual due dates per your banking system. 

I have documented evidence, including recorded videos, that shows the option selected was specifically for the DUE DATE, with no other options available for adjustable due dates. Given that late fees were incurred due to your system not adjusting to the established due date, I am formally requesting a credit for all late fees associated with this issue. 

I kindly ask that you review my account and the associated payment schedule to ensure that future drafts occur on the due date as initially set. Additionally, I would appreciate clarification on how your system communicates any changes to the due date and ensures compliance with the laws and regulations mentioned above. ( efta, tila and the ach regulated laws )
Product: Student loan

Navient keeps increasing my interest rates and monthly payments without any forewarning or posted reason. The loans ' interest rates jump to over 15 % interest at times. This is ludicrous and I will never be able to pay off my loan at this interest rate.
Product: Credit card

Comenity Bank is charging {$41.00} for a late fee. I contacted them on XX/XX/XXXX to request that they reverse four fees due to financial hardship and they refused and would only credit one back. The fees were placed on the account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I then asked why they are still charging {$41.00} for a late fee when the CFPB finalized a rule in XX/XX/XXXX decreasing late fees for credit card companies with greater than XXXX XXXX active accounts to only {$8.00}. According to my research, Comenity Bank has over XXXX XXXX active accounts. The supervisor I spoke with denied knowing about this rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete and remove all inaccurate information submitted on my transunion credit report. this issue has been holding me back an caused alot of denials. review an remove all invalid data asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these fraudulent accounts with XXXX  to no avail. XXXX has deleted these fraudulent accounts. My next step is to file a lawsuit. This is a violation of the FCRA : 1. XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX/XXXX XXXX # XXXX  Simply saying that the accounts have been verified as accurate is illegal if XXXX have verified them as not accurate and have removed them.
Product: Credit reporting or other personal consumer reports

disputed collection account with XXXX credit report, they disputed it as verified i explained this account was not mine and opened up by someone else. 
I then received a copy of a letter from XXXX  stating that my information was indeed compromised this happen not only once this year but last year, I then forwarded this information to Transunion on XXXX received a letter to days later see attached as verifiable, trans union failed to investigate the information provide me documentation as how it was verified and failed to use the attached documentation from XXXX.
Product: Debt collection

In late XXXX, I noticed that my XXXX balance was negative {$570.00}. I contacted XXXX to advise that all payments/monies that I sent was from my XXXX credit and NEVER from a checking account. My XXXX credit is in good standing but she stated that there were two charges from checks written for {$570.00}. I thought that the issue was resolved until I received a letter from American Coradius International in the mail stating I owe {$570.00} I did not send these two payments and do not have any idea who did. Perhaps I was hacked but I do not want to speculate. I did reach out to the individual who the monies were " sent ' to and that individual advised that the funds were not received but that the XXXX " XXXX XXXX '' attached to their account was missing. I believe that person may have completed a police report also but am not certain.
Product: Debt collection

They then sent me a notice to reduce the debt I didn.t answer them and they have harassed me and the fact they don.t have the oringinal debt because it came from another debt collector that goes back to XXXX XXXX XXXX who the debt is owed to and the fact I paid XXXX  XXXX XXXX XXXX Dollars they don.t mention that at all.The collection agency that tried to get this debt Three years ago was XXXX XXXX XXXX located XXXX XXXX XXXX XXXX, NY XXXX Phone Number is XXXX There is a federal law about trying to collect a cell phone debt they have two years to get it and then they can.t collect it so the company in mention are in fact breaking the law you need to step in on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 US Code 168c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. 
These accounts are not related to any transactions made by me, the consumer.
Product: Vehicle loan or lease

On XX/XX/2023 I applied for credit with FORD CREDIT and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a Ford XXXXXXXX XXXX fully loaded.
Product: Checking or savings account

My account was in over draft status and was charged fees each month. From XXXX XXXX-until now. The original amount overdrawn was XXXX, the bank is now saying that I owed XXXX and took that whole amount from my stimulus check which was sent to that checking account with Capital One. They had not made any attempts to help me back in XXXX when my account was overdrawn I was told that the account would close if I did not pay the money back. I let the customer service rep know that I lost my job due to Covid and was not able to pay them at that moment because I wasn't working NOR was I receiving unemployment like others were. They wrote my account off as a " charge off '' and not only will they receive funds for writing my account off they got an extra {$600.00} from my stimulus check. I asked for help back in XX/XX/2020 and did not receive any word from this bank. Banks should not be allowed to withhold or take any portion of stimulus money. Americans are struggling to keep food on their tables and keeping roofs over their heads, never mind trying to pay a debt off in the middle of a pandemic. There are many ways that Capital One could have helped for example : TEMPORARLY XXXX  out the negative debt so the consumers can get their money, or take off any fees other than the original amount that was over drafted. They took my stimulus check with no remorse and or means to help. Banks and overdraft fees need to be included in these aid packages and laws. Banks do not care if you've lost your job, can't eat, or have any where to live as long as they get their money back. I don't see how this is even legal when there are laws preventing child support to take stimulus checks. Debt collectors and banks need to be included as well. It's insane how much money banks make off of overdraft fees ALONE! I'm not asking for a hand out from the bank, I'm asking these human beings to have compassion on other human beings. I've banked with Capital One well over 7 years and haven't had any problems until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with Transunion the filing date is listed XX/XX/XXXX however XXXX  lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on XXXX. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. 
TransUnion Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX XXXX Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX XXXX  Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

In XXXX 2014, I went over my credit card limit pumping gas at the pump by {$20.00}. For years I 've been paying my credit card bill online & that statement that follow had a minimum fee of about {$75.00} which I paid. However, for the next year XXXX Capital One charged me an over-the-limit fee every month, never again emphasizing on the online payment statement I was still over the limit. Being I had n't purchased anything on this card for a year I always paid the minimum fee over a bit more to try, what I thought I was doing, paying off the loan. However, the online payment window is vague with nothing more than the minimum payment, but I noticed after XXXX months my balance was going up. First off, I never agreed to allow Capital One to let my card go over the limit - which I thought was a new law- & that they were not supposed to charge me much more than the overage cost itself as the penalty. I would imagine the minimum payment should be such to get you back to your limit, but being this is not my only credit card I overlooked it. I believe they should not have let my card go over-the-limit with out my permission.
Product: Credit card or prepaid card

Again, i write to you in frustration. Chase Bank will not send cash back via ACH, and continues to forget to send the email to allow me to get the ACH. 
This time is for almost {$4300.00}. I do not want a check in the mail, and i have zero plans to use an ATM. 
Last time i went to a Chase bank branch ( XXXX, NY XXXX XXXX corners ), the person in front of the line for the ATM had no mask.

This is the 2nd time chase gave me this issue, and the third time ive had to contact you over this banks malpractice. 
The same XXXX  who run Chase bank and Chase card services have XXXX ability to send cash to the same client between these departments. 
This is a slowdown of the speed of money, and is a accounts payable scam. Please Punish these degenerates.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Synchrony Bank, also known as PayPal Credit, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX, for numerous violations of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

Details of the Violations : 1. Synchrony Bank ( PayPal Credit ) : o Between XX/XX/XXXX and XX/XX/XXXX, Synchrony Bank refused to acknowledge my dispute or remove a charge from my credit account, in violation of the FCBA ( 15 U.S.C. 1666 ). 
o Synchrony Bank deliberately reported inaccurate information on my credit profile to all credit bureaus ( XXXX, XXXX, and XXXX ), in violation of the FCRA ( 15 U.S.C. 1681s-2 ). 
o Despite disputing the account with all three credit bureaus between XX/XX/XXXX and XX/XX/XXXX, they refused to remove the derogatory mark from my credit profile, in violation of the FCRA ( 15 U.S.C. 1681i ). 
XXXX. XXXX, XXXX, and XXXX : o These credit bureaus supplied inaccurate information to XXXX XXXX, XXXX XXXX, and XXXX XXXX, in XX/XX/XXXX, who then took adverse actions against me by reducing the available credit on my account to the balance on the account, bringing my credit utilization over 100 %, and destroying my creditworthiness, in violation of the FCRA ( 15 U.S.C. 1681e ( b ) ). 
XXXX. XXXX XXXX : o In XXXX, XXXX XXXX refused to remove a charge billed in violation of the FCBA after I submitted over XXXX disputes for the same charge, in violation of the FCBA ( 15 U.S.C. 1666 ). 
o XXXX XXXX reported the inaccurate information to credit bureaus, in violation of the FCRA ( 15 U.S.C. 1681s-2 ). 
o Following my complaint with CFPB, XXXX XXXX removed the charge but failed to acknowledge and respond to my dispute. 
XXXX. XXXX XXXX  : o XXXX XXXX  closed my XXXXXXXX XXXX XXXX account based on inaccurate delinquency information, despite my record of never missing a payment on that account, in violation of the FCRA ( 15 U.S.C. 1681m ). 
As a result of these violations, I have suffered significant financial damage, including : Loss of over {$22000.00} in credit line. 
I am forced to pay over {$800.00} in interest and fees every month since XX/XX/XXXX to keep my credit accounts open and prevent further adverse action. 
Denial of a mortgage by XXXX XXXX, denial of Business credit by XXXX based on inaccurate information provided by XXXX XXXX and Synchrony bank. 
Harassment by phone calls and mail from XXXX XXXX  regarding the alleged delinquency on my XXXX account.
Product: Credit reporting

I have been disputing my credit report with XXXX and Equifax , I still have not received any written notification from any XXXX of the XXXX bureaus in response to my disputes for whats being reported first off they have the " Wrong '' DOB, that in itself requires automatice deletion. Also, they removed XXXX inquires from my report and the added them back some are which over 1 & 2 years old. Its to the point now where im really irritated because as a consumer we have rights and they just decided what they will put or keep on our reports that effects our everyday well being at their expense or leisure is that Fair reporting. With saying this Theie investigation took too loong abd I didnt get the proper notice of the investagation status or even results. It been well OVER 30 days. I want the items REMOVED at once. Also XXXX XXXX XXXX sold to this company after settling as as paid as agreed. I Want this removed or Im climbing the scale to take this futher.
Product: Credit reporting or other personal consumer reports

Inn violation of the federal fair credit reporting act, Bank of America, XXXX, XXXX, and XXXX continue to report false information in a credit report that is the result of fraud, identity theft, and incompetence on Bank of America financial systems. The report of a late payment of 30 days in XXXX on an account from Bank of America is inaccurate due to fraudulent or technical incorrect information. There should be no late payment. It needs to be removed today.
Product: Debt collection

This company AFNI sent me a collection letter stating I owe {$630.00}. dated XX/XX/XXXXThe CFPB should note this debt collector started his collections Activities few days ago with harassing phone calls. Please refer to CFPB complaint # XXXX. 
Since they sent me a debt collection letter stating I owe {$630.00} to XXXX, I believe around XX/XX/XXXX I disputed this amount its totally even I went further I escalate this issue to the FCC Case # XXXX against XXXX, They never sent me nothing in writing within the 30 days process setup by the FCC about this Fraudulent Debt, so instead after One year  and 1/2 XXXX Hires this debt Collector to try to collect a Fraudulent Debt it was fully disputed around XX/XX/XXXX with the FCC, XXXX never responded to my FCC complaint. I'm attaching my Statement of Fact Letter as well to dispute this fraudulent debt against AFNI and the Copy of the email I received from the FCC.