23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir or Madam : I hope this email finds you well. Like most consumers, I am always interested in XXXX interest purchases and financing options. Unfortunately, despite having a XXXX XXXX, I feel trap to what I believe is fraudulent debt collections and corrupt business practices. 

On or about XX/XX/XXXX, I purchased an engagement ring at XXXX XXXX. The sales people indicated that there was sixty-day no payments with a XXXX interest promotion ongoing so long as I paid the debt off within XXXX year. As a result, I financed {$6000.00} with the understanding that I would pay off within XXXX year. I made prompt payments on between XX/XX/XXXX through XX/XX/XXXX as indicated in the attached statements. 

On or about XX/XX/XXXX, I wanted to purchase some earrings from XXXX for my fiancee. I financed {$2000.00} through the same promotion -- XXXX interest so long as it is paid off within XXXX year or XX/XX/XXXX. 

As reflected in the attached statements, I made the following payments : ( XXXX ) XXXX XXXX, XXXX - {$500.00} ; ( XXXX ) XXXX XXXX, XXXX - {$670.00} ; XXXX XXXX ) XX/XX/XXXX - {$670.00} ; XXXX XXXX ) XX/XX/XXXX - {$670.00} ; XXXX XXXX ) XX/XX/XXXX - {$670.00} ; XXXX XXXX ) XX/XX/XXXX XXXX ; XXXX XXXX ) XX/XX/XXXX - {$950.00}. 

For the XX/XX/XXXX statement, XXXX XXXXComenity Bank  stated " you must pay your XXXX XXXX balance of {$950.00} in full by XXXX XXXX XXXX XXXX XXXX, XXXX to avoid paying accrued interest charges. '' So I submitted a payment for {$950.00}. 

On XX/XX/XXXX, XXXX XXXXComenity Bank  charged me {$1300.00} for " promo finance charge adj. '' I was flabbergasted! I did exactly what they told me to do to avoid the finance charges. 

Admittedly, on XX/XX/XXXX, I missed a payment. On XX/XX/XXXX, I paid {$1100.00} pay off the entire balances ... or so I thought. On the same day, I inquired how this happened with XXXX XXXXComenity Bank. In response, a representative indicated that I did not pay off the engagement ring amount XXXX {$6000.00} XXXX on or before XX/XX/XXXX. I asked how could that happen? Well, it has occurred because consumers can not direct payments to which debt they wish to satisfy. XXXX XXXXComenity Bank  divides the payment as they deem fit which does not align with the financial interests of their consumers. 

XXXX XXXXComenity Bank  claim that there is nothing they can do but the debt ( i.e., finance charge ) is owed. I responded that I will not pay a single cent more in light of the clearly fraudulent practices of placing payments to prevent timely payoffs so interest over the entirety of the loan can be charged. I believe these practices to be unlawful, fraudulent, corrupt, usury, and knowingly perpetrated to trap consumers in long-term debt. I can not fathom how many other consumers have been baited by these XXXX interest gimmicks without the awareness or inability to allocate payments to ensure timely payoff. 

If you wish discuss further, please do not hesitate to contact me at XXXX or via email at XXXX. 

Respectfully, XXXX XXXX XXXX, XXXX.
Product: Student loan

XX/XX/XXXX : Mohela placed my federal student loan account on administrative forbearance. 
XX/XX/XXXX : Mohela charged my checking account {$390.00}. 
XX/XX/XXXX : I spoke with representative requesting a refund ; he said I was not eligible because my account had been on processing forbearance, not administrative forbearance. I had to show the letter dated XX/XX/XXXX stating I was on administrative forbearance, not processing forbearance. Customer service representative hung up on me. I called back and a different customer service representative requested the refund to my checking account in the amount of {$390.00}. 
XX/XX/XXXX : I called to get an update on my refund and was informed that the refund was processed on XX/XX/XXXX and returned to my account. It was not. I requested documentation stating that they had returned the funds to my account on XX/XX/XXXX and was informed they would not provide that documentation. 
XX/XX/XXXX : I submitted a complaint to Federal Student Aid Complaint Center. I received acknowledgement they received my complaint and will respond within XXXX  days. 
XX/XX/XXXX : I received an update from FSA that they are still reviewing the case and will respond within XXXX  days. 
XX/XX/XXXX : I have still not received a refund of {$390.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX, XXXX 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: Payday loan, title loan, or personal loan

Cash max representative harasses me daily with threatening phone calls that do not stop! I demand payment to me for {$1000.00} for this harassment which is against the law.
Product: Student loan

I initially contacted MOHELA on XX/XX/22 to receive reimbursement for my student loan payments made during forbearance. I was told my reimbursement would be received via direct deposit up to 30 days. Currently as of XX/XX/22 I have not received any deposit to reflect my request. 

I have been attempting to contact the servicer to request an update on this matter but customer service is unreachable due to unrealistic wait times. The call menu is a blockade of automated messages followed by confusing selections to be added to the waitlist of callers. Once added to the waitlist the wait times have been XXXX minutes or longer. I have had no ability to speak to a representative due to this.
Product: Mortgage

XXXX  XXXX XXXX has sold shares received from BofA XXXX XXXX  XXXX XXXX XXXXThere is also a control number XXXX which has now been desolved.Listed in XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is their legal partner.Through this caliber action BofA XXXX XXXX XXXX XXXX  XXXX sold property into stock around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit monitoring notification a few days ago. The notice was to let me know that a report was received about a negative report about a unpaid account. I was stunned to hear of an account that wasnt paid. We found the number of the debt collector and called them and they stated they purchased the debt from a medical provider. The unpaid amount is {$340.00} claimed by debt collector and by medical provider. Thee day service was rendered I paid {$170.00} that was due and wasnt advised any other amount was due.. Service was done in XX/XX/2018 and after calling the medical provider they claimed they tried to call once and sent two statements to my home. The only notice that I received was when the credit monitoring company sent a notification a few days ago. The medical provider said the debt was sold and they couldnt help me. I pay every bill due and sent to me. The medical provider has no proof that a bill was sent. They could have sent an email or certified letter. Phone calls unfortunately are not safe, you never know who has stolen information using it to commit fraud. The medical provider nor the debt collector ever tried to contact me that Im aware of. I told them the balance wasnt a problem provided I receive a bill for service. The debt collector didnt have bill since they didnt render any service to me. The medical provider said the debt was sold and out of there control. I want my credit cleared of any negative impact from the debt collector.
Product: Money transfer, virtual currency, or money service

I sent a cashiers check ( {$20000.00} ) from my bank ( XXXX XXXX ) on XXXX XXXX investments for investing in son '' s account ( XXXX XXXX XXXX XXXX XXXX The office closed and they returned the chech to me non negotiated XXXX. The Bank farmed out the check to XXXX XXXX XXXX XXXX ( later bought out by " Fiserv '' XXXX Fiserv XXXX XXXX Wi. XXXX. 
Who has my money? should it not have been sent to the state? if so, which state?
Product: Checking or savings account

I have a 360 Savings account with Capital One ( used to be ING Direct before 2012 ). Please do me a favor and XXXX the interest rate on this account. If you did it, you will likely conclude that the rate is roughly 4.15 %, which is what I have been thinking for months. But we would be wrong. 


The 4.15 % is for an account that Capital One calls " 360 Performance Savings '' vs my account that it calls " 360 Savings ''. The rate on my " high yield savings '' account is 0.30 %. Again it's 0.30 %!!!!!! It is a 385bps difference which is massive and would be {$10000.00} per annum for a {$250000.00} balance! I called Capital One and wrote to them to complain about this and ask for credit for the interest rate difference for previous years but they have refused to do so. I looked up online and there are many other customers with the same complaint, but they do not know how they can " fight back ''. 


From what I can see there is no substantive difference between these two accounts. They are straightforward high yield savings accounts. The sole purpose for two such identical accounts with confusing similar names but massively different interest rates is to sucker legacy account holders ( who trust the Capital One institution ) out of millions of dollars in interest. If they want to sunset 360 Savings accounts, they could easily have proactive communications and convert these accounts to 360 Performance Savings accounts. But they did not do so. This is deceptive at best and fraudulent at worst. 


CFPB may also want to look at the history of names on 360 savings accounts and 360 performance savings account, see how much balances are still held in 360 savings account, when Capital One started diverging the interest rates between these two accounts, and the bank 's rationale for using these deceptive tactics.
Product: Mortgage

This mortgage was discharged through bankruptcy in XXXX. Modification was approved in XX/XX/XXXX. All payments o the agreed upon amount of {$790.00} have been made every month since. In XXXX I received notification of intent to forclose. I sent PHH documentation and correspondence proving that all payments have been made. Since then I have received 2 more intent to forclose notifications and no other response.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my credit score with Experian was XXXX. On XX/XX/XXXX I received an alert from Experian that XXXX points had been deducted from my account. The alert nor any other information in my credit file warranted such a deduction and, in the alert, there was a section which stated What Caused the Decrease i score. I clicked on it and all it stated was " Scores Change. '' No other reason given. I have contacted Experian 4 times via email and none of their responses have given me a specific reason why I received a negative score deduction. I want to believe that if they hold such power over a person 's score which effects everything in my life, I should be able to get a specific reason why I am being penalized. The same thing has happened in years past. Last year ( XXXX ) I was at XXXX and it happened It appears that each time I am approaching the XXXX level I am knocked back down. I check my file regularly and I see nor have seen any negative item in my file with Experian to warrant me being hit with this negative deduction. I have worked hard and sacrificed to exceed that XXXX score limit. If they can just refuse to explain their score drops say specifically to the person who the file describes then the scores, they give out is useless. 
I had had enough negative experiences over my long life that I know what should cause scores to drop. It is difficult to believe that Experian won't just come out and say why they took those points from me. Can anyone with your office help me? 

Respectfully. 
XXXX XXXX
Product: Vehicle loan or lease

In XXXX my credit report started reading that my car loan from Wells Fargo was paid in full. I reached out the company to find out what was going on as I still owed around {$7000.00} on my loan. I was told that someone would get back to me, however no one ever did. I did not check back with them but continued to see on my credit report that the loan was paid in full. Sometime went by and still no communication, more than a year had passed and then my car was repossessed. I reached out immediately to Wells Fargo and they told me there was nothing I could do besides pay in full the amount still owed on the vehicle. I spoke with several different associates over the course of a week and no one was able to help me nor tell me how this happened with no communication. They confirmed that my work and home address and phone numbers were listed in their files as well as my email. With this vehicle being my only source of transportation to work and to see my kids, I had to call in to work and miss time with the kids. With no other choice, and not enough funds to pay off the loan, I filed bankruptcy. I was informed that this was a process that could possibly help me keep my vehicle. However during arbitration, Wells Fargo declared that the repossession was legitimate and kept my vehicle. After dealing with bankruptcy, being denied for car loans, home loans and spending hundreds on borrowing a car and thousands on a lawyer, years later here comes Well Fargo with a check and letter admitting that they failed to properly communicate with me before/when my loan became past due and the was no communication XXXX their behalf to me in order to retrieve the vehicle. So my life was turned upside down because a huge company, with persons in place to avoid this kind of thing, failed to properly communicate. Wells Forgo forced me into bankruptcy and I believe they are trying to cover this up by offering pennies compared to what I lost over the years dealing with this.
Product: Credit reporting or other personal consumer reports

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX XXXX XXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these 3 items off all XXXX bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. ( Original Creditor : ) XXXX Balance : {$73.00} ; ( Original Creditor : ) XXXX Balance : {$91.00}.
Product: Mortgage

I postal mailed info for complaint # XXXX. I spoke to 2 of your agents and both emailed me the same thing showing there are no case number. Your 2nd agent said she could see info about the complaint. Maybe I did not postal mail a passable complaint. I will try to start this as a new case. 

XXXX XXXX ( Mr. Cooper ) constantly emailed me about lower rate savings. I did apply and paid {$520.00} appraisal fee. After reviewing the closing costs I decided to cancel the refinance. However I tried to remove the PMI mortgage insurance since their appraisal was XXXX and my current remaining mortgage is XXXX well under the 80 % PMI requirement.
Product: Debt collection

XXXX XXXX XXXX sold a debt too diversified consultants did n't receive notice in mail but received calls debt was paid in full but yet still has derogatory statements and was still sent into collection 's
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to rectify this matter with First Citizen Bank  and XXXX. I have notified First Citizen Bank and XXXX that this account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Product: Credit reporting or other personal consumer reports

Im 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/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a medical charge on my consumer report that I did not recognize so I proceeded with the following : XX/XX/XXXX - Notified the credit bureaus reporting this error via certified mail. ( XXXX  & Experian ) XX/XX/XXXX - Sent a notarized letter to the collection agency [ XXXX XXXX  ] requesting validation or evidence that this debt belonged to me, sent certified mail with a return receipt. 

XX/XX/XXXX - XXXX XXXX  received my letter. 

XX/XX/XXXX - 12 days after my medical investigation began, Experian reported the account as " verified '' on my consumer report. 

XX/XX/XXXX & XX/XX/XXXX - XXXX  reported XXXX XXXX  as " verified '' on my consumer report. 

Per the Fair Debt Collection Act, during a medical investigation, creditors/collection agencies can not take legal or other action to collect the disputed amount and related charges during the investigation. The creditor or collection agency may not threaten my credit rating, report me as delinquent, or accelerate my debt because I have used my FCBA rights. 

XXXX XXXX, XXXX  XXXX, & Experian have all violated my rights. XXXX XXXX  failed to respond to the dispute and as of today, XX/XX/XXXX they still have not responded. Neither XXXX  nor Experian, has sent verifiable documents as required in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) supporting this delinquent claim on my report. I requested proof from Experian on XX/XX/XXXX and TransUnion on XX/XX/XXXX. Both credit bureaus have failed to provide any evidence. 

The medical account in question, owned by XXXX XXXX  does not belong to me. I have requested proof and explanation of charges, neither of the ( 3 ) parties have provided it. 

Please remove this account from my consumer report immediately.
Product: Debt collection

Contacted my employer without consent after I missed one phone call of theirs.
Product: Student loan

I am unable to make teh required payment on my private student loans from Navient. I have requested that they only contact me via mail on this matter and that they no longer contact third parties ( friends and family members ). They continue to do so however, and are claiming in their most recent letter that tehy can do so. I 'm attaching that letter and my response. 

Thanks you.
Product: Debt collection

GRAIN TECHNOLOGY INC Account Number XXXX The company does not respond to emails/phone calls or contacts on their website. I have been trying to reach this company for months to no avail. They are inaccurately reporting lates on my credit report which is preventing me from refinancing my home. This company lacks customer service. 

They are reporting a late payment despite various attempts to make contact with them.
Product: Debt collection

The third party company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for Kay Jewelers contacted my daughters cell phone in order to contact me for a Debt that over nine years old well exceeding the statue of limitations in XXXX of four years. When I contacted them they threated by stating to sue for an amount triple of the original amount.