23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I inadvertently made a larger overpayment to my AAFES Exchange Credit Program Card on XX/XX/XXXX. Within a week this payment was posted to my account leaving an over payment amount of  {$11000.00}. On approximately XX/XX/XXXXI contacted the company and requested a refund which they assured me would arrive in 7-10 days. I waited until XX/XX/XXXX before reaching out to the company via email saying, " I requested an overpayment refund three weeks ago and I still havent received it. How much longer do I need to wait? '' They responded 1XX/XX/XXXX saying : " Dear XXXX XXXX, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ).

Please be advised that we have sent another request today for the refund to be sent to you. Please allow 7-10 business days for the refund check to be delivered. 

We do apologize for the inconvenience this has caused you. 

If further assistance is needed, please give Military Star a call at XXXX or via email. 

Thank you for your service and have a wonderful day! 

Sincerely, XXXX XXXX The Military Star Email Team Army & Air Force Exchange Service XXXX XXXX I didn't receive a check so I contacted them again on XX/XX/XXXX saying, " This is my third inquiry into the overpayment on my account. Can I ask what the issue is that is causing such a delay? '' They responded XX/XX/XXXX saying, " Dear XXXX Parent, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ). 

Please be advised we are researching this to see why the check is not getting processed. Once I receive a response form the accounting department XXXX will email you about your refund. We do apologize for any inconvenience this may have caused you. 

Thank you for your service and have a wonderful day! 

Sincerely, XXXX XXXX The Military Star Email Team Army & Air Force Exchange Service I then waited until today ( XX/XX/XXXX ) to call the company again and now they are saying they are going to try and have the check mailed out to me by the end of the week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all 3 credit reporting bureaus of my formal dispute of the same account appearing on my reports 10 different times totaling {$570000.00}. These accounts do not belong to me. I notified XXXX XXXXXXXX 3 different time through signature required service receipts separately attached. Disputes were sent on XX/XX/2016, XX/XX/2016, XX/XX/2016 all requesting for required verification and supporting documentation under the rule and guidelines of both the FDCPA and the FCRA. All 3 times XXXX  XXXX violated Federal law. Further none of the information meets the required standard of Section 609 ( a ) ( 1 ) : Information to be disclosed. Advisory opinion to XXXX XXXX stating, " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''.
Product: Money transfer, virtual currency, or money service

Unauthorized account Wells Fargo checking account open under my name. Ive been receiving email and thought it was spam until last couple days I realized its legit email and went to brach office and talk with them and they confirmed theres account under my name even though I never open or been in Wells Fargo. Account has been open on online and theres was {$40000.00} transaction going on in my account that they try to check deposit and later on returned. The phone number is not mine and the address of my house was old adresss like 2 years ago. And these transactions happening in XXXX and I never been there in my life. Only concern is someone is using my name to do these transactions and I submit an identity report to police couple month ago where my passport was stolen. I dont know if theres any connection in between but I want these get resolved and police suggest me to report here
Product: Mortgage

I have a VA Mortgage loan with Flagstar Bank. FlagstarcBank Mortgage Loan Representatives refuse to provide me with a list of options in writing specifically identifying ways I can make up payments remaining after exiting forebearance other than making a lump sum payment. I have spent countless hours trying to obtain this information and requested a written list of options be mailed to my home address.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Student loan

This is in regards to Navient. 

Last week on XX/XX/10, I made an attempt to reapprove my lower repayment monthly rate. 

I had been informed, I simply need to call back to reapprove my rate. 

I am then told ( while never previously being told this ) - I am no longer eligible for my previous payment arrangement and that I will now have to pay more ( 600+ a month ) ... .we take an expense inventory, the person on the line speaks with their manager, and Im not approved ... 

Supposedly, my co-signers and I can afford to pay. 

I told them my co-signers can not pay, they are declaring bankruptcy, and that I am willing to pay ... just not 600 plus a month ... once they hear that they immediately offer a repayment similar to what I had been already paying and stated they would call me back. 

What happens next? 

I get a letter stating I was rejected ( after they take money ), that I will owe balances, I will have to pay the 600 plus a month, and that there were no other offers any other options, just pay or not pay ( then collections and court ). 


( side note : EVERY time I call- its a different story and I always owe money ... no matter what was previously stated to me ... and all calls are recorded- regardless, I owe money. ) Lastly, they negarively hit my credit even while I was in a repayment program. 

One of the worst loan servicers I have ever encountered. 

I am trying to do right and pay. My co-signers are submitting for bankruptcy and I dont own any assets ... they can try all they want but I wont be able to pay in excess of 600 a month.
Product: Student loan

I have had a number of issues dealing with XXXX  XXXX in repaying student loans. The problems began when my balance was transferred from my original lender, XXXX, to XXXX : I was not provided notice of this transfer until after the fact, and two of my monthly payments went to the original lender, which was very difficult to get corrected. 

More importantly, once it came time to recertify for the IDR, which I was enrolled in through XXXX, I encountered one issue after another with XXXX. The deadline had passed due to issues on XXXX 's end, being unable to process requests due to high volume at that time. When the recertification request finally was processed, it was denied ; the reason stated on the website was that certain documentation was missing. I submitted the documentation and the request was denied again. 

In attempting to resolve these issues, I had multiple calls with XXXX reps, all of whom were unhelpful. My IDR request was finally " approved, '' but with an increased monthly payment ( from {$86.00} to {$320.00} ), even though my total household income and dependent information hadn't changed between XXXX and XXXX. 

This issue necessitated additional calls to XXXX reps ; again, none of which were helpful, and ultimately I was told that XXXX had no way of determining why my payments had increased so drastically. According to XXXX, because the initial payment amount of {$86.00} was set up through XXXX, XXXX has no record of the original IDR calculation and no way of obtaining it. This left me with no choice but to request forbearance for the maximum time period, which has now passed and left me with an absurdly-increased monthly bill that I can not afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my identity there has been fraudulent activity going on. I noticed some Inquiries and some closed accounts that I have no knowledge of reporting on My credit report. The items are now negatively impacting my credit score. I have tried resolving several times and now this is getting ridiculous.Not only is this misrepresenting me but it is also holding me back from moving on from this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my TransUnion and XXXX reports that are in accurate. There are duplicate items ( violation ) and companies that are being reported as debt that I do not have a contract with. Please remove these items. If you are able to verify these items please send me the documents that you used to verify these items. I am requesting this for the second time in an informal matter. If you can not verity and send me proof, please remove the Items to prevent further steps on my behalf. My address is included in the letters attached.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I request the immediate blocking and deletion of certain accounts from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The account listed below is the result of unauthorized activity and should not appear on my credit file. 
Account : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/2024 o Balance : {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and police in my area. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX. 
There are also several inquiries on here that ore not mine and needs to come off my report 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 AND 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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information 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 TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I paid the " New Balance '' on my card 4 days prior to the due date. I was assessed an interest charge even though the statement indicates that no interest would be charge if the " New Balance '' was paid by the due date. I called to attempt getting the charge reversed and was given an excuse that the New Balance had to be paid in full for 2 consecutive months in order not to incur an interest charge. That is not what is stipulated in the statement. Furthermore, I believe it is an unfair practice as all other cards I have ever had do not charge interest when a balance is paid in full by the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get 2 missed payments off my report because it is hurting my credit very much. I have been paying everything on time I do XXXX work and unfortunately didnt get paid for 2 jobs I've done and this was a big problem. Please if possible to help me in this matter I would be very thankful
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX bank Account # XXXX, XXXX account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent an international wire transfer through Discover Bank, to an account in the XXXX XXXX XXXX XXXX of the amount USD {$21000.00}. I was informed by the bank that a USD {$30.00} fee will be charged to my account and the full USD {$21000.00} will be transferred to the XXXX account. When I inquired about the exchange rate, they refused to tell me the exact rate, but assured me the transfer will occur at the market rate at the time of the transaction and no other fee would be charged. The exchange rate on XX/XX/XXXX was XXXX USD = XXXX  CAD. On XX/XX/XXXX, a pre-converted amount of XXXX {$26000.00} was received in the XXXX account, almost CAD {$1000.00} ( or USD {$750.00} ) less than what was promised. This corresponds to an exchange rate of XXXX USD = XXXX  CAD, approximately 4 % less than the market rate. A separate CAD {$17.00} receiving fee was charged by the XXXX XXXX   XXXX XXXX, and they confirmed they did not make the conversion. 
In summary, despite me inquiring about the fees/premium or exchange rate multiple times, Discover Bank assured me only a {$30.00} fee will be charged by them and their intermediaries. They also told me that the market rate will be used as the exchange rate. After the transfer, they refused to take responsibility for the money loss.
Product: Credit reporting or other personal consumer reports

Tomo stole XXXX dollars from me and provided me with XXXX  SERVICES!!! They did absolutely nothing for me except steal my money. Thats a fact!! In XX/XX/year> I paid XXXX and a month later they took XXXX again and provided me with XXXX SERVICES. I did not received anything from this company.
Product: Student loan

I am not sure this is right place to report-XXXX  connect is a student loan servicer for Younomics, who I believe is from XXXX  XXXX XXXX loans back in the early XXXX 's. My loan is from XXXX when I borrowed {$13000.00}. I graduated around XXXX and started making monthly payments thereafter, I did do a few deferments due to maternity leave and went back to school for my XXXX  but I do not believe I stopped paying during that time. I have been paying on this loan monthly XXXX as automatic payment. I recently started looking into the statements as my balance hardly changes I am still sitting at a balance of XXXX. Yearly I pay XXXX towards my balance and for the past XXXX  years when looking back at tax interest statements I have paid XXXX in interest. Which means my payment is literally just going to interest, which is variable between XXXX % monthly. when I look at each individual monthly statement it looks like it goes down like {$20.00} a month but then the next month they just raise the interest and you are right back to the previous balance. 

I have tried to reach out to them via email with this and have yet to hear back. Assuming, at a minimum if I paid for XXXX  years total after my deferments are accounted for I have paid them over XXXX XXXX and they show a maturity date of XXXX. I am not sure if what they are doing is illegal or if this is normal, but my other student loans actually go down. I did consolidate my private loans a few years ago and have already paid off XXXX ( XXXX or maybe XXXX ) would not allow this one in the consolidation for some reason though? 

Any assistance would be greatly appreciated or if you can point me in the direction of who I need to report this to would be greatly appreciated. Speaking to them on the phone I am told that they just service the loan-which I understand means they just do the billing for Younomics/My XXXX  XXXXbut I am only able to email Younomics and again have heard nothing back.
Product: Mortgage

Dear Sir, I was trying to refinance my existing mortgage in the first week of XXXX, and the lender ( snapfi.com ) gave me a quote ( 2.62 %, covering all my loan costs ) which attracted me to give them my documents and sign for the refinance. 

They confirmed that they have locked the rate and took three months to complete the necessary process. Now, in XXXX, after they finalized all the process, they confirm that the loan was approved, but the rate lock is gone and trying to cheat me with the higher rates. ( higher rates not disclosed to me yet ). 

I have given them all the documents within their proposed timeline and i am frustrated after waiting for 3 months of time and the loan is not going anywhere. 
They spoiled my credit history and asked me to pay for appraisal and couple of statements from my existing lender. 

They are not doing a fair business and i request you to help me by taking suitable action against them. 

https : //www.snapfi.com/ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  Branch ID XXXX Best regards, XXXX
Product: Debt collection

Its a Wells Fargo account I tried calling to get it removed no luck
Product: Debt collection

Receiving multiple robocalls daily for weeks from Synchrony Bank trying to call someone using my cell phone number to collect a debt. We have called and given our information and that we do not owe any money or have a debt with Synchrony Bank. When we call, they agree it is not our account and that they will stop calling, but they do not. I have had this phone number for years.
Product: Debt collection

The companies involved are GLA collections which was called upon my XXXX ( XXXX  counseling company no longer open in the area ). They collected cash prior to each class. If the amount was not paid, the services were not provided. I was up to date on my payments. The counselor then left the company putting a stoppage to classes all together. It is not possible that a debt of XXXX is present based on the process and services provided. I have disputed this through XXXX  with no success and will continue to until this is resolved. It has caused me the inability to take out a loan for a house as well as other things.
Product: Credit card or prepaid card

Please I would like to re-submit a new complaint against Discover Credit Card.Please read the previous complaint # XXXX Their response didn't address my complaint at all about : " The phone call I made contacted Discover Credit card Services on XX/XX/2018 I spoke with a Supervisor name XXXX about my dispute with case # XXXX She asked me to get documentations so Discover can look this documents and investigate the dispute I told her I will submitt Documentation in regards along with the pictures of the Damaged Merchant Caused in my vehicle while Providing the Towing Service, She said to me if the Merchant caused the damaged Discover may deduct the services the merchant charged you off the estimate you present it, So thats what I did I submitted on line the letter, bodyshop estimate and pictures of damaged in my vehicle ''. 

* The phone call I made on XX/XX/2018 it was to add additional information in regards the ongoing dispute as it was my undertanding, and the supervisor XXXX said was ok she never said to me why I didn't submItted originally when I initiated the dispute, or your dispute its closed as this representative XXXX XXXX stated.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are inaccurately reporting an account on my consumer report. On their reports it is showing as late however I was never late ( see attached exhibit a & b ). I have disputed this information before and they are not complying with the FCRA. I have also requested the a description of the methods they used to " verify '' that I was late and they never provided it to me.
Product: Vehicle loan or lease

XX/XX/2018 - I receive a letter from XXXX XXXX about validation of a loan I previously had with the company. She did provide me with the original contract from the dealership. She also provide a loan summary. However, I tried using this account number provided to login there online system and this do not give me any information on my account ( i.e. payoff info or current balance ). I tried calling the XXXX number provided and I seem to get no resolution of how to settle this account. I explained that I need this removed from my credit profile and it states a CO on my report. No one seems to provide me any info of how to settle this. I was told that the account was most likely sold to a debt collector. Even though I provide my contact information with the company. I still have not received a bill or current statement to attempt to resolve this matter.
Product: Credit reporting or other personal consumer reports

Unknown hard enquiry found on my Transunion and XXXX report which I do not recognize. I called Transunion to report the discrepancy and they suggested I file a complaint here.
Product: Credit reporting or other personal consumer reports

I am writing to update the address on my account. There are inaccurate and XXXX mailable addresses on my account that needs to be removed. the most updated address is the only address that shall be on my report. Please remove all other inaccurate addresses. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I submitted an online application to Chase ( subsidiary of JP Morgan Chase & Co ) for a Sapphire Preferred Credit Card on XX/XX/2023. I have a security freeze on my XXXX credit report due to identity theft & the discrepancies XXXX has not taken off. I do not wish to lift the security freeze. The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants exercising their right in good faith under the Consumer Protection Act. 

I received a letter from Chase XX/XX/2023. I spoke to a Chase Representative on XX/XX/2023 to let them know I would be sending a letter of this similarity so they would not close my application ( or at least extend the time allotted for me to reply via postal mail the same way they replied to my application ) but they did not allot enough time to do so as there letter states I must lift the security freeze within 14 days of their dated letter ( XX/XX/2023 ). It is as if they are trying to coerce me into lifting my freeze or else. 

Credit means the *RIGHT* granted to an applicant. ( 12 CFR 1002.2 ) I do not wish to be discriminated against due to a credit report that has been compromised.