23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Recently, my employer started making $XXXX a month in payments toward my student loans of $XXXX a month, held by XXXX XXXX. Accordingly, I have tried to get my direct debit amount reduced by $XXXX (XXXX XXXX would still receive the same amount each month, but the extra $XXXX  would come from my employer). The $XXXX already shows up as a credit each month on my bill, but XXXX XXXX refuses to lower my direct debit amount to anything lower than the total billed each month (even though they're now getting $XXXX more than that each month); they will only allow me to increase how much I pay in direct debt. I just called them about it today, XX/XX/XXXX. I had previously emailed them on XX/XX/XXXX, and below is what they responded on XX/XX/XXXX. I followed the instructions and it only allows increasing how much to direct debit, not to decrease.


---------- Forwarded message ----------
From: 
Date: Sat, XX/XX/XXXX at XXXX XXXX




Thank you for contacting XXXX XXXX!

To change the additional amount withdrawn through Direct Debit:

-  Sign into your online account
-  Select "Payments & Billing"
-  Select "Automatic Payments"
-  Select "Manage Direct Debit Information"

You will then be able to adjust the information in the Additional Payment Amount column.

We recommend that you use the "Contact Us" links on our website, XXXX, to submit inquiries via a secure email form.  Please use your email address on file when completing this form.  You may also call us toll-free at (XXXX) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX (ET).

Sincerely,

XXXX
XXXX XXXX

--- Original Message ---
On XX/XX/XXXX at XXXX XXXX
>Message: My employer now submits $XXXX a month in payment, so I would like to lower my direct debit amount by $XXXX a month. I was wondering how I can go about doing that? Thanks so much!
Product: Money transfer, virtual currency, or money service

I went to see a home for rent at XXXX XXXX XXXX XXXX, XXXX, TX, XXXX, from a XXXX add. The guy name XXXX XXXX XXXX called me and stated that I can go see the home. He texted and stated that the rent was going to be all bills paid for {$900.00}. He told me to send the deposit of {$600.00} to XXXX  XXXX but it went through then he stated to refund it then send it to XXXX. He also tried to send the money to XXXX, he also provided me with another phone number XXXX. He asked for {$60.00} per adult that was going to be on the application, so for my XXXX children, I sent {$120.00}. Someone pulled up and he stated that it was someone else that was trying to see the home for rent and told me to secure the rental I needed to pay the deposit. After leaving, I felt kinda funny so I did some research and found that the residence was being rented by XXXX. I called XXXX and they told me there is no one by those names working for them, so I immediately called my bank to file a fraudulent transaction. Since that day I have filed a police report and my bank has denied my claim 7 times. One of the managers hung up on me. When I first filed I was not told I couldn't until I got XXXX a manager on the phone who told me that because it wasn't a merchant I could not file. Then I spoke to someone on chat that told me that peer-to-peer is like cash and I can't get it back. However, when I stated I sent a policy report they advised to send me the report and not just the number. I filed my report on XX/XX/2023 case number : XXXX. I still have the text messages and the fake lease the perpetrator tried to send me to sign. I believe that the scammer has someone working in the fraud department of the bank who keeps denying my claims. The bank can retrieve my money back from the person I sent my money to and make them responsible but is doing nothing but letting the scammers go!
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$31.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$91.00} XXXX XXXX XXXX XXXX Owed : {$130.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$130.00} XXXX Balance Owed : {$630.00} 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 XXXXXX/XX/XXXX
Product: Debt collection

This number XXXX calls me 10-20 times daily. I have called them several times to find out why. They are collecting a debt for a person I do not know. I have told them that I am not that person.
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's eff

icacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Checking or savings account

I was told by navy federal that I owed XXXX but I didnt know why apparently when I thought I lost my wallet in my room I lost it at a gym thats the last place I could think of thats the only time I take out my wallet so security told me that they were gon na close all my accounts and that until I pay them I wont be able to open back up with them and now I just called back and now I owe XXXX I havent had access to my bank account or my card and over a month and now Im just lost and confused with no way to pay this debt back
Product: Student loan

This is very simple. My payments were set to draw every  XXXX  of the month -- been paying it on time every month for about 7 years. My wife and I decided that we were finally in a position to get aggressive paying off our loans. The one problem we had was that payments were drawn on the  XXXX ,  XXXX , and  XXXX  of each month. I realized we had a chance to pay off in full everything on the  XXXX  and then if we could move the  XXXX  payment to the  XXXX  or  XXXX  -- all ACS loans -- we would know how much surplus we had each month and would make additional payments simpler for us to make. So I first called all  XXXX  of our credit card providers to synchronize those payments to the  XXXX  week of the month. No problem, this was easily completed in less than  XXXX  hour. Then I called ACS in early   XXXX   XXXX   They said on the phone the  XXXX  or  XXXX  were simply NOT options. The best they could do was the  XXXX . But I had to send them a email, they simply could NOT start the change based on my phone call to them. Ok, I complied. Their bounce back email said a response said : " We will respond to your message in  XXXX  -  XXXX  business days ''. This statement is false. Probably a delay tactic by ACS. I waited for over a week before they replied on the  XXXX  of  XXXX  that they had to wait until the  XXXX  payment processed and then they would " ask '' the lender if it was possible. I do n't understand how I can make every payment on time, even at times when my wife and I were actually losing money month over month and then make a very simple request and yet get treated so terribly. If they ca n't do it, fine -- tell me that when I call in!!  ACS  is a deplorable institution engaged in fraud and deceit and they should be held accountable, as I would be if I failed to make those monthly payments.
Product: Checking or savings account

Chase bank allowed unknown and unauthorized person/bank to withdraw my money from the checking account as the following transaction shows : 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  This fraud activity should not happen again.
Product: Mortgage

Several months ago, Flagstar Bank told me I didn't provide my fire insurance for my home mortgage. Actually my insurance agent did send the insurance proof to them several times on time, and also explained that the house is a duplex and there are 2 insurances which both have been provided to Flagstar Bank. Eventually Flagstar admitted it's their problem and said it has been resolved. But they bought an extra insurance anyway and let me pay the extra escrow ( insurance ) cost. 

I pay the mortgage every month on time. But now I got a collecting call from them saying I missed the payment -- that's caused by the extra insurance they bought for me which they promised to correct. 

Now they threat to report a negative credit on me and foreclosure because of the mistake they made. 

This issue lasts for several months. And by the way, the insurance issue showing up every year -- they keep saying I miss the insurance every year which absolutely not the case.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for a several time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the credit bureau must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After being affected financially/physically by XXXX, XXXX XXXX XXXX placed my account in a XXXX protected status in XX/XX/XXXX and reported to the credit bureaus as affected by natural disaster. Per the company, this was effective through XX/XX/XXXX. I have made payments during the protected status. My standard payment is {$450.00} a month and I have been paying {$560.00} the past three months. 
On XX/XX/XXXX, XXXX XXXX reported to all three credit bureaus as me being late from XX/XX/XXXX to current. This is completely false. They reported to Experian and XXXX  that I made no payments during XX/XX/XXXX through Present and to XXXX  that I made no payments XX/XX/XXXX through XX/XX/XXXX. Last month, my account read 100 % payment history and now this month Im showing 11 missed payments? Its not true. It has dropped my credit score over 100 points! 
When I called and spoke to a representative, I was told once XXXX XXXX ended we marked all customers late during those months. How is that allowed? Its unethical. The last representative I spoke with said maybe just pay the car off and then you dont have to worry about it. Who has XXXX during a pandemic? 
Please help me have them remove all late charges as I was a victim of XXXX not late and was in XXXX XXXX XXXX and the information reported is false.
Product: Credit card

I've made XXXX payments to Concorda credit and they still assess their late fees and return check fees. I try to leave funds in my account so they can deduct the payment and sometimes they are XXXX to XXXX days in doing so. 
I was promised by a customer service representative that the late fees and return check fees would be reversed. 
So far they haven't been.
Product: Credit card or prepaid card

My XXXX XXXXXXXX  was changed to a general purpose card. When that happened they offered a {$50.00} credit if the card was used to pay for {$400.00} outside of XXXX XXXX XXXX The time period was for XXXX XXXX XXXX. I did that, but did not receive the credit. When I asked about it, I was told I signed up too late. Yet, they allowed me to sign up and told me that I was enrolled. 

Here is the message exchange to try to correct this : From : XXXX XXXX. 
Sent : XX/XX/XXXX XXXX XXXX Ref No : XXXX Subject : No credit received XXXX XXXX XXXX  Dear XXXX, Thank you for your response. 

We regret that our services do not meet your expectations. We strive to achieve an excellent standard of service and will use your feedback to appropriately address the service you received. 
In order to receive this particular offer, the opt in request needed to be submitted by XX/XX/XXXX. Our records indicate your request to opt in was received on XX/XX/XXXX. Unfortunately, since the opt in was received after the offer close date, your account will not be receiving the {$50.00} statement credit. We regret any inconvenience you may have experienced during this time. 

If you need further assistance, please contact us at XXXX, or send a secure message through the XXXX XXXX XXXX. 

Sincerely, XXXX XXXX. 
Customer Care Senior Specialist Hide Older Messages XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX If I did not respond in time, then WHY was I told that I had been activated? This is the message I received at the time : Thank you for activating your statement credit offer.To earn this statement credit, spend {$400.00} outside of XXXX and XXXX stations using your XXXX XXXX XXXX during your offer period.From XX/XX/XXXX XXXX XXXX  XXXX XXXX. 
Dear XXXX, Thank you for your patience. Our records show you did not meet the requirement for the {$50.00} statement credit since you were not opted in on or before XX/XX/XXXX. We regret any inconvenience this may cause.If you need further assistance, please contact us at XXXX, or send a secure message through the Online Message Center.Sincerely, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Dear XXXX, Thank you for contacting XXXX.Your email has been forwarded to the appropriate department. We are currently researching this and will follow-up within 2-3 business days.If you need further assistance, please contact us at XXXX, or send a secure message through the Online Message Center.Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I signed up for statement credit offer in XXXX : Thank you for activating your statement credit offer. 
To earn this statement credit, spend {$400.00} outside of XXXX and XXXX stations using your XXXX XXXX XXXX during your offer period. 

From  XXXXXXX XXXX  Offer period is XXXX XXXX- XX/XX/XXXX I met the requirements yet have not received my my statement credit. Where is it?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Balance Owed : {$310.00} DPT ED/XXXX XXXX Balance Owed : {$4200.00} DPT ED/XXXX XXXX Balance Owed : {$6300.00} DPT EDXXXX XXXX Balance Owed : {$3200.00} DPT EDXXXX XXXX Balance Owed : {$3500.00} DPT ED/XXXX XXXX Balance Owed : {$1700.00}
Product: Debt collection

The company is American first Finance. The last time I was on my account it was like XXXX. 
I paid it around XX/XX/XXXX. 
Now I got on my credit report that I never paid and they say I owe like XXXX. 
So, they added more and did not update my payment made. 
I attempted to contact them and they hung up the phone. 
I never received an email or bill and I thought it was good. 
My account online showed different amounts and now their interface and online account is different. 
It does not show past payments and I have no proof they took and it's not visible. 
My other account with them is not present on there either. 
It was paid off and still the account showed up before. 
Now it is not even there, like it never existed. 
Shady practices ...
Product: Credit reporting or other personal consumer reports

So I had a legal document sent to the credit company XXXX and to the debt collector requesting info that I requested from them explaining in detail all this money they are telling me I owe I have not received anything to date but XXXX says the investigated and shared nothing with me only that they were not remove it how can you ignore my request for info that is simply false my lawyer broke it down in a very detailed letter onwhati was, I was legally in titled to and I got nothing not even a response to be honest something is not right about the way expireran is handling my credit I have had many problems with them ignoring police reports requesting me to go above and beyond whats legally required to prove my case and when I do they still ask for more info only to find out they use a computer system to make judgements and issue a final determination on the my dispute in which I have expressed that I am not at all comfortable with to the point I have had to seek legal help and still am getting shutdown and Ignored in my request for info that I should be given I would like to see there investigation so that me and my lawyer can go over it and dispute accurately and I get nothing as a matter of fact they changed the date that I opened the investigation they ignored all request for infos on this debt and I for supporting there supposed investigation XXXXm sorry but this is a serious matter and there word unfortunately is not good enuff and I am asking for a complete review on this debt and a break down and for it to be explained on where the amount I am being charged came from dollar for dollar cent for cent along with the amount they were paid on my behalf from Covid 19 rental relief that they applied for after I left like it was agreed that I would move out and end lease due to the issues that Covid 19 were causeing the whole country infact expireran dosent even see the fact that I have two diff apts propertys saying I owe them at the same time same time period I have been a victim like so many of the landlords in XXXX XXXX that not only are charging people for rent that was not owed but the fact they they were paid by government funds even after I was no longer staying there but yet I order for them to apply for those moneys they had to lie and say I was liveing there which ok they were paid but they are still trying to get more money and when they took those relief funds they weer not suppose to go after tenants for back rent which they clearly are and XXXX is allowing them to abuse there authority