23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I lodged a complaint about XXXX XXXX XXXX complaint # XXXX. It is regarding double payments & billing iseues. On a couple of occassions I had made XXXX payments in 1 months time. I received a invoice stating my next paymnent is due XX/XX/XXXX. I contacted the company again today, only to be informed that : when I make a double payment in a months time, the additional payment goes directly to the PRINCIPAL!!! Which I was unaware of & I was informed it is in the agreement... .. well a ) I do NOT recall the agreement as took this loan out over XXXX yrs ago ; b ) IF it is in the agreement, I did NOT see this notice because I have a visual impairment & can not see regular print. I need larger print or BOLD print to see. So all this time I am making additional payments on this loan thinking I am ahead by 2 months & in reality I am NOT ahead in montly paymwents IT is just deducing my principal. I am paid up through XX/XX/XXXX .... in my calculation BUT in the company calculation I am just minus the principal amount. To me this is misrepresentation & misguidance to the consumer. I do NOT know IF anything can be done about this BUT I do believe someone should have called me & notified me of this practice ... .. that additional payments go towards the Principal! Again I was NOT aware of this @ all!!!!! A company 's billing practices should be clearly explained to the consumer. All this time I am believing I am ahead in my monthly payments BUT in reality I have just deduced principal amount!!!!!
Product: Debt collection

Long ago in the middle of pandemic I was told that they offered services to help with payments such as delayed payments, haunt on interest rates etc. I called to try and have this done and was told no we do not even tho it stated on their app they did, was also told they would not stop the frequency of calls. Eventually I started catching up with bills after finding work and childcare in the pandemic but it barely covered interest rates. I tried again with no evail my payments weren't enough and they wanted more and more n I told them that was impossible unless me and my kids stopped eating and paying bills. I was talked over everytime, most times by someone XXXX XXXX and ignored untill I hung up. The calls have become more frequent. 2 sometimes 3 times a day. This is way to much and I have had enough!
Product: Bank account or service

I lost my credit card I went online as soon as i realized, which was late in the evening, reported it lost and requested a replacement card. I called and reported XXXX transactions as fraud XXXX for {$50.00} & XXXX for {$75.00}. I was advised I 'd get a call back to the number on my account. That was over a month ago im still waiting for the call. So i ordered statement copies, like I 've done in the past, I reviewed my account two days later to see a fee for {$100.00} for statement copies. I canceled the order and asked for a credit i got confirmation it was canceled but i was not issued a credit for the fee. Which i was only advised that there may be a fee in a message AFTER i submitted the order.
Product: Credit card or prepaid card

ON XX/XX/XXXX, I purchased a XXXX XXXX XXXX treadmill, a floor mat, and assembly for {$1900.00} online on the XXXX website using my Wells Fargo visa card. The treadmill and mat was delivered and assembled without problem. Before I had run 50 miles ( roughly 7 runs ), the roller broke and the treadmill stopped working. I repeatedly called XXXX and was put on hold for long periods of time, as long as 1 hour and 20-30 mins waiting. After finally getting someone to answer, they did a video call with me and sent me what they guessed was the defective part. Their expectation was for me to fix their defective treadmill for them. After multiple attempts, I got the new part installed and was able to use the treadmill for a short period of time before it broke down again. After being put on hold for long periods of time again, I gave up and was resigned to the fact that I had been ripped off for {$1900.00}. However, that was only the beginning. 

In XX/XX/XXXX, a year after I had purchased the treadmill, a charge for more than {$400.00} that I had not made appeared on my credit card. I discovered the charge when another unauthorized charge appeared on my statement. I called Wells Fargo. They told me they would remove the charge and an investigator would be in touch. I had made no visits to XXXX website. I had not called to purchase any product or service. I had not authorized anyone to use that card for any purpose or any amount. 
I then received a new credit card from Wells Fargo, which I did not activate because I did not trust them after having allowed multiple unauthorized charges. And, access to my original account disappeared. I have no way to check dates of purchases because they eliminated my online access. I then received a form letter from Wells Fargo asking if I had made the charges. I immediately answered, again stating clearly that I did not make or authorize any charges in XXXX. I simply would not have authorized a company that had already ripped me off for {$1900.00} to make another charge, let alone one for over {$400.00}. No Wells Fargo investigator spoke with me. No one from Wells Fargo even bothered to ask me a single question about the authenticity of the charges. After a period of time, I received a bill from Wells Fargo for that unauthorized charge including interest. 

Wells Fargo allowed a predatory vender to use my credit card to make a transaction without my authorization. They acknowledged my report of unauthorized charges by sending me a new card and closing my original account. If they investigated, it was a sham investigation that did not involve all parties because no one spoke to me. I dont know if Wells Fargo is colluding with XXXX  in their predatory scheme to rip off consumers or if they simply side with large corporations in every dispute but I have been ripped off by XXXX  and Wells Fargo not only enabled them to get away with it but they are also trying to profit off of the scheme by charging me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

file ftc on these companies ftc file number XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file.

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. Among other things, the FDCPA bars collectors from using obscene or profane language, threatening violence, calling consumers repeatedly or at unreasonable hours, misrepresenting a consumers legal rights, disclosing a consumers personal affairs to third parties, and obtaining information about a consumer through false pretenses. Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF ID THEFT. I WAS ADVISED BY THE FTC TO SEND IN MY SUPPORTING DOCUMENTS. TO HAVE THESE ACCOUNTS REMOVED FROM MY CREDIT FILE. IT HAS BEEN AN ON-GOING BATTLE WITH THESE COMPANIES. THE LAW IS VERY CLEAR TO ME AS FAR AS MY RIGHTS. THEY HAVE FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVED THESE FRAUDULENT ACCOUNTS WHICH WERE OPEN BY THE THEFT AND NOT ME. PLEASE CONTACT THESE BUREAUS ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM TO COMPLY WITH FEDERAL LAWS AND RESPECT THE RIGHTS OF ID THEFT VICTIMS.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and these address on there are not mine i need them removed asap. My address is XXXX XXXX XXXX XXXX Ga XXXX 

Please remove the following addresses 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX 2. XXXX XXXX XXXX XXXX Pa, XXXX 3.XXXX XXXX XXXX XXXX  XXXX XXXX NY , XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the day of XX/XX/XXXX i notice a bankruptcy was placed on my credit report at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX as a result from when i went to speak with an attorney considering filiing, However, i didn't retain the attorney nore did i follow through with the bankruptcy, upon noticing this i reached out to XXXX, Equifax and XXXX  between XX/XX/XXXX-XX/XX/XXXX i was notified of the removal after there investigation, shortly after Equifqx said that information was veriied. I than reached out to XXXX XXXX XXXX Clerk of Court in response of the verfiy procedures with credit reporting agencies and there respond was that the court do Not perform any activities with the credit bureaus. I have never filied Chp XXXX or Chp XXXX i only inquired.
Product: Debt collection

On XX/XX/XXXX I received an email from XXXX I had a loan with XXXX XXXX XXXX XXXXXXXX had sent the account over to XXXX. I was on a payment plan of {$62.00} 12 weekly payments starting on XX/XX/XXXX when I went and put in my debit card invalidated a XXXX cent charge, so the payments began on XX/XX/XXXX I thought I was on the right track and then. And the debit card I had on file last four digits XXXX. I had to cancel that card because it had gotten lost and I had to order a new debit card. Because of that I had a payment on XX/XX/XXXX. I had to skip that payment on XX/XX/XXXX to avoid the card getting charge because that card was already closed. I got the newdebit card on XX/XX/XXXX ending in XXXX. I tried to update it on XXXX but there was an issue with the website updating the debit card. I sent out an email and a representative from XXXX had reached out to me and said that there was an issue with the website and now I can update the new debit card. I updated the new debit card on file on XX/XX/XXXX. I checked back this morning and its saying the next payment is XX/XX/XXXX so Im assuming OK I have been on track so far. Find out what the balance is the remaining balance. Out of curiosity and an agent told me when I spoke over the phone that my balance is still the same and that nothing has been taken out and Im like how is that if I the debit card I had on file had no issues but I had to close that debit card because I had to get a new one because I lost it so I dont know whats been going on and Im in a bind already as it is and now its like I dont think thats fair so this entire time nobodys been charged and youre not charging I dont know whats going on here, but this is shady. I am in fixed income and Im barely making it.
Product: Credit card or prepaid card

We have been a customer for 12 years and never missed a payment. We received several calls marked as spam, and finally, on XXXX XXXX, we picked up one, and we started saying, please take our name off the list, and the rep said, " this is XXXX  ; you are late on your bill. '' We talked to the rep, paid the entire amount ( ~ {$240.00} ) due on the phone, and even waived the late fee ( {$40.00} ). A few days later, I received an alert from my credit monitoring service saying my account is delinquent, and when I checked, it was the same Macy 's account. So I called Macy 's, and they informed me that I was late for XXXX and XXXX, and yes, the account is paid in full. I told them I never received a paper bill and went to the post office, who reviewed our past 60 days of mail and confirmed that we did not receive anything from Macy 's. The rep then said that we had been signed up for electronic bills. I then searched my email account and found that all Macy 's emails are directed to the junk folder. I believe Macy 's used predatory practices to switch people to electronic billing and deceptive marketing to collect the money without informing the customer that waiving the late fee does not equate to removing the negative reporting. I ended up closing my account with Macy 's and will never buy anything from them. Even though they claim that we signed up for e-billing, I received a bill from Macy 's In XX/XX/2021 of {$2.00}
Product: Credit card

I have called Citi Cards customer service in regards to my card and maybe making some changes. Everyone is worried about XXXX and XXXX having our information but you allow these credit card companies to give our most personal information to the XXXX and XXXX. Explain how that is not a security issue for Americans???? I asked to speak to a representative in America and they refused. I also messaged a rep and all they said was SORRY. How can this be happening. How can you monitor Americans information that these companies are giving to foreign Countries!!!! I know its about the all mighty dollar but Americans should be able to speak to Americans about sensitive financial matters!!! 
What is happening... ..I tried to contact Corporate to ask same questions and it only gives you customer service number. I like and explanation on what your department is doing to provide protection from other Countries and allowing these Companies to refuse or not provide a Person to speak to IN OUR OWN COUNTRY.. 

thank you
Product: Debt collection

i have been sent to 3-4 collection agencies by XXXX XXXX XXXX  and my perfect credit is now i in the XXXX range. 
XXXX XXXX XXXX is a new jersey power company. 
i have never lived in new jersey or have ever heard of this company. 
after resolving this with police reports and correspondence with banks, credit bureaus, and multiple collection agencies i have now been contacted by another collection agency over the same debt. 
i am unable to obtain credit and have no time to continue defending myself with no hope of resolution. i need relief.
Product: Credit card

I was charged a late fee on the XXXX statement of {$29.00}. On the date due ( XX/XX/XXXX ) I was so awfully XXXX  and could not move. I have documentation from XXXX  XXXX. I have never had late fees ; as I never pay bills late and I have an excellent credit score that reflects that. Someone called me back after a previous complaint from BOA and apologized for the customer service line that NEVER answers. She told me she would remove the late charge gladly. This was weeks ago and it has not been removed. She also said she would get help for the customer service line that no one ever answers. Try it yourself - see if you ever get an agent to speak to. I've tried about 40-50 time and each time on hold for 15 minutes then I hang up. Its disgraceful service and it seems to be a common problem ; as I've seen many posts and bad reviews about BOA 's customer service. Try calling their line - XXXX. I've already reported it here and still no result. The lady from BOA that called me back verified that she herself tried the number various times with no success! This is perposterous to let a company go on this way.
Product: Credit reporting

I have disputed XXXX several times with the credit bureaus because of the numerous inaccuracies on my reports and the inconsistencies between the XXXX, however, all of the issues still exist as XXXX is unwilling or unable to provide accurate, consistent information which is causing issues with when this item is to be correctly removed as per the law. I have included the way in which the same exact account is reported by XXXX to the XXXX different major credit bureaus : Company : XXXX - XXXX XXXX XXXX XXXX Loan Type : Charge Account Other Charge Account Account Number - XXXXXXXXX XXXXXXXXX Account Holder : Individual Individual Account Individual Date Opened : XXXX, XXXX XXXX, XXXX XXXX, XXXX Status Date : XXXX, XXXX XXXX, XXXX XXXX, XXXX Condition : Not Updated Closed Closed Last Activity : XXXX, XXXX XXXX, XXXX Not Available Balance : {$0.00} {$0.00} - Status : Charge-off Payment after charge off/collection Account legally paid in full for less than the full balance History : Late 30 Days 0 times 0 times 0 times Late 60 Days 0 times 0 times 0 times Late 90 Plus Days 15 times ( 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 0 times XXXX time ( XXXX XXXX XXXX Worst Delinquency : Bad debt/collection None Reported Collection High Balance : - {$190.00} {$190.00} Terms : - - Revolving REMARKS : Account paid for less than full balance / Paid charge off Settled -- less than full balance Account Paid In Full For Less Than The Full Balance As you can see, XXXX CB they are reporting the last activity as XXXX XXXX, XXXX it 's XXXX XXXX and the last they do n't even report a date at all. Then, in the 90 days + date late, to XXXX CB they report none, another they list XX/XX/XXXX and the other they list all the way from XXXX XXXX through XXXX XXXX. 
This account was sent to a collection agency at some point because I received a letter from them in XXXX XXXX. At the point this account was sent to XXXX XXXX XXXX , XXXX, XXXX was no longer the owner of the account, so their continued reporting of it after they 'd closed it is inaccurate. The date of XXXX, XXXX, is the month I paid this to the collection agency. 
I do not understand why XXXX continues to provide inaccurate data.
Product: Student loan

Hi, in resolution of my complaint # XXXX, XXXX agreed with my regulator to count my XX/XX/XXXX payment towards PSLF. However, they have refused to honor that agreement. I have records attached. Also, they have since refused to honor the limited waiver program to count my XXXX and XX/XX/XXXX payments towards PSLF. I've attached proof that those payments should be counted as well. They also haven't updated my count to include my most recent employer certification. To help you navigate the attachments, I'm attaching some additional XXXX records ( my loans were transferred from XXXX to Fedloan at the end of XXXX XXXX ). Please help to rectify my account/PSLF tracking before my loans are transferred next month and before the limited waiver program expires. Thank you so much.
Product: Student loan

I do not have specific dates as I have been struggling with this loan for 10 years now. I have acknowledged to the loan company that I have simply been paying the interest only and not the principal of the loan because of the amount due. I was told that I had a fixed loan percentage, and then come to find out I dont. Payments ranged from the amount of $ XXXX currently as being the interest. How am I going to ever pay a loan down that I took out that is more than what I originally took out. None of my low income driven forms that I submit ever get excepted, for some time they led me into going into forbearance for some time, which only let the interest go up. They recommended to refi my loan which I have attempted as well as my co signer, but nobody will help. I am going on 13 years now will the loan only getting larger and larger in amount, and yet nobody is willing to help or figure out how I can bring this loan down.
Product: Debt collection

I am trying to pay off my debts as much as I can. During the recession I have lost my job did not have any funds to pay off the credit card. Now that I work, I support XXXX small children and my wife, who attends college. She does not work. I want to repay the debt, but the debt collection agency added more amount on top of what I owed. They demand more than 13 thousand dollars when the original debt was less than 9 thousand. I contacted the agency to try to settle with them because I can not repay them the whole  amount. They refused and demanded the whole amount. All this years they have not send me any letters or anything indicating that they want to settle and place this matter behind us. I want to make a complaint against this company that they do not want to work with me to settle and that they demand more than what I originally owed.
Product: Debt collection

XXXX XXXX failed to submit the claim to my primary insurance in a timely matter and now Im being harassed by debt collectors nearly a year later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balanced Owed : {$23000.00}
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is not a duplicate request. ABSOLUTE RESOLUTIONS CORP. never contacted me when the debt was first sold to them. Nor did they present themselves as the owner of this debt in a written notice. In accordance with the FCRA and the FDCA provide the following information : -proof of purchase from XXXX XXXX -proof of the first letter of debt ownership from Accounts Receivable Corp specifically that was mailed to me with the date.
Product: Credit reporting or other personal consumer reports

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI XXXX XXXX XXXXXXXX XXXX XXXX Amsher Collections Service