23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The original balance on this account ( Walmart ) when I was laid off from my job was {$4400.00}. I have paid this amount plus any additional interest and late fees once I went back to work. The account went into collections in XX/XX/XXXX with XXXX XXXXt which then became Synchrony Financial. I continued to pay on  the account ; however I never received an actual statement from Synchrony listing payments received, interest, etc., I only received an email telling me the payment was due and the balance. The last 'statement ' I received from Synchrony was on XX/XX/XXXX and the balance was {$770.00}. I could not find a way to contact anyone to pay the balance in full ( no valid phone number, address, email address on the emailed " statement '' ) eventually a representative called me when the payment was late. I arrange a phone payment with the representative for {$360.00}, the representative agreed to remove the late fees and I promised to pay the remaining {$360.00} in XX/XX/XXXX which I did. Synchrony then sold the account with a balance of {$640.00} to XXXX XXXX XXXX. When they called me, I told them that the account was paid and a mistake was made but they insisted it was valid. I looked the company up online thinking that this was some kind of a scam, here is a link to what I found XXXX  : XXXXXXXX  They continued to call me for the money, I believed it was a scam. I sent a letter to them in writing and via email that they were not to call me at work or on my cell phone but they continued to call. I ignored their letters and phone calls ( I did log them ) and now I am getting a letter from an attorneys office, XXXX XXXX XXXX threatening a judgement against me. XXXX XXXX XXXX also reported the debt to the credit bureaus, lowing my credit score that I worked really hard to bring back up and I am now being denied financing that I need for a new roof on my home! I have sent them a letter ( via regular and certified mail ) with the last statement, a copy of the funds sent from my bank, a phone log of all the harassing phone calls, a request that they acknowledge payment was made in full and that they correct the payment history information provided to the credit bureau.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXX  XX/XX/XXXX # XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I filed a complaint against MEFA last month because they refused to lower my monthly payment even though I was let from my job. Late XX/XX/XXXX, someone contacted me about getting a lower payment. I was not able to reply right away because I caught the flu and I had to gather the necessary documents. I sent in my application on the XX/XX/XXXX. On the XX/XX/XXXX, the Consumer Advocate got back to me and asked for something I didn't have and couldnt get. He did not respond to that email, so i started check in every day and still no response. Today, I finally got a response from him asking again for the things I tried to get and did not have and I had to explain again that I did not have what he was asking for. This has been a frustrating process with a uncommunicative consumer advocate. MEFA promised they would help but have been so difficult to work with. I will not be able to pay my rent this month now.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are reporting a late payment on my consumer report from XXXXXXXX XXXX XXXX but did not provide any evidence I was indeed late. FCRA states information must be validated before it is able to be reported. Neither consumer agency provided necessary documentation to confirm I was late. This is my final attempt to resolve the matter or I will sue each consumer agency. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card

The month closest to XXXX of XXXX  my accounts with CAPITAL ONE - Savor ending in XXXX and Platinum ending in XXXX I was sent many times on my capital one account on my phone app to set up a financial hardship arrangement. I answered and did the steps needed to get right with capital one. I had submitted my hard ship due to 3 deaths in my family unexpected funeral expenses that was left to me to bare with making things worse I XXXX XXXX XXXX due to the business closing with much losses due to the pandemic. With doing my best with the past 3 months to keep up with my hardship arrangement capital one has continued to add high interest on top of that late fees on both of my accounts. How do capital one think that this is helping anyone on a hardship, jobless and with this inflation? Capital one has taken advantage of myself who has done nothing but try to make sure I make my payment as best as I can. I called Capital one on XX/XX/XXXX. I requested to return late fees and stop interests accrued to both accounts. When I called capital one representative XXXX did not find any where in the system my hardship arrangement ( Red flag for me ) I then asked for a manager spoke to XXXX whom was no help she kept saying unfortunately ther is nothing I can do. XXXX did not offer any solution nor budged to look into what options could possibly help my situation nor did she budge to look into how the interest could be paused and late fees be retuned to avoid more deep depth. I should NOT be charged minimum finance charges nor late fees in the duration of my hardship payment plan. Both accounts the APR should have been set at 0 % - Not even offer a temporary fee relief to help ease the burden on both my accounts. Both of accounts are restricted from it being used why am I still being charged and penalized? It is sad to know people like XXXX ( manager ) is running this type of company a person that do not care for others with hardship no sympathy nor understanding what so ever.
Product: Checking or savings account

On XX/XX/2022, I received this email : XXXX ( XXXX XXXX ^ To : XXXX XXXX  XXXX Wells Online Fraud Department : let 's team up against fraud. 
WELLS FARGO your debit card was suspended due to irregular card activity, while this is in effect, withdrawals and purchases performed with your card will be declined and your online banking access will be suspended to protect your information. 
Please follow the instructions below to verify your identity : Log In to your online banking account. 
Complete the verification process to verify your identity as the account owner. 
You will be logged out from all active sessions to ensure security of your account. 
Log In to Online Banking Note : Your account will be fully secured once the verification process is completed. 
Thank you for choosing WellsFargo. 
Please do not reply to this automated email. If you have any questions please log In to I did not respond to the message, nor did I open any links. I logged into the Wells Fargo App and saw no messages from Wells Fargo about my ATM Card being suspended. I also never received and phone calls from Wells Fargo about the matter.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint so that this agency can not claim ignorance of my dispute
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$540.00}
Product: Credit card or prepaid card

XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX placed 3 orders on phone, please see detailed below. 

XX/XX/XXXX noticed I was over charged and called to dispute three over charged. 

XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX asked for refund status, provided their store policy to proof I was able to price match with coupon, asked if they got phone conversation records. 
XXXX XXXX XXXX XX/XX/XXXX was told she should have information by the end of week, but have not heard from her since. 

Order # XXXX Invoice shows {$88.00} was charged, but additional {$97.00} was added on my credit card without my consent. {$97.00} needs to be disputed. 

Order # XXXX Invoice shows {$100.00} was charged, but additional {$100.00} was added on my credit card charges without my consent. {$100.00} needs to be disputed. 

Orders # XXXX Invoice shows XXXX was charged, but additional {$97.00} was added on my credit card chages without my consent. {$97.00} needs to be disputed. 

Refund ( XXXX+XXXX+XXXX+XXXX ) have been credited, but still shows as {$17.00} is needed to be credited to my card, but I do n't think I should be satisfied just because they refunded me some. Also, the amount they refunded me was price match amount found from XXXX, but the time I placed my orders the prices were cheaper. Why should I pay for their mistakes? Besides, the price match is already done, and I should get refunded on unthorizated charges not whatever the amount they feel like to give to me.
Product: Checking or savings account

On the morning of XX/XX/2023, I learned that I was a victim of check fraud with my Chase checking account. Someone intercepted a check I had mailed to a XXXX XXXX  station in the amount of {$60.00}. The criminal scrubbed the check and changed the recipient 's name to XXXX XXXX and changed the payable amount from {$60.00} to {$1000.00}. A chase teller at a branch approved the check and gave the criminal {$1000.00} in cash from my account. I reported the fraud to Chase on XX/XX/XXXX. ( Today is XX/XX/XXXX. ) Chase has stated that because this is fraud, they will return the funds to my account AFTER they complete their investigation, which could take up to 30 days. It is obvious to anyone that " XXXX '' had fake ID and she does not have a Chase account. She and my {$1000.00} will never be found. The only thing left to investigate is the bank teller who wrongly approved the check. There is NO reason why restoring the funds to my account should be contingent upon the completion of Chase 's investigation into their teller. Multiple Chase employees have confirmed to me that this is clearly check fraud. I was victimized once by Chase when their teller gave " XXXX '' {$1000.00} from my account. I am being victimized a second time by being told by Chase that they need to complete their investigation before the funds can be returned to my account. I am a XXXX XXXX XXXX Social Security recipient and I have a ton of medical bills I need to pay. It is morally wrong and offensive that Chase has the unmitigated gall to take this indefensible, cravenly greedy position with a customer! There is no logical reason why Chase can not return my money to me immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment regarding the continued presence of fraudulent items on my account, despite my persistent efforts and numerous follow-ups to have them removed. This marks the 15th time I have brought this matter to your attention, and yet, it remains unresolved, which is unacceptable. 

The continual presence of these fraudulent items not only undermines the integrity of my account but also poses a grave threat to my financial security. Moreover, the prolonged delay in resolving this matter reflects poorly on your institution 's commitment to customer service and accountability. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will leave me with no choice but to escalate this complaint to higher authorities and explore legal avenues to seek redress. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX : {$410.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My card was use for XXXX XXXX all night I didnt approve of XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft and fraud occurred on XX/XX/XXXX and on XX/XX/XXXX, which an attempt for an auto loan was fraudulently done, which caused some fraudulent inquiries on my TransUnion credit file. I do not know about the perpetrator who performed this act. I filed a police report with the XXXX XXXX XXXX XXXX, which XXXX XXXX took the report, filed on XXXX with a case number of XXXX. 15 USC 16811b ( c ) and 1681g ( a ) ( 5 ) have been violated as well. The following Inquiries are fraudulent : XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, ( Pulled Twice ) on XX/XX/XXXX, XXXX XXXX, and XXXX XXXX XXXX. The following Inquiries are still currently reporting on my credit file, Aggravated Identity Theft has been done, pursuant to 18 U.S.C. 1028A Also, I have been at my address for the last 5 years. You are hereby put on notice. Please remove these fraudulent Inquiries immediately or a lawsuit will be filed, seeking damages.
Product: Credit card or prepaid card

Please remove the accounts on my credit report because those are not mine.
Product: Consumer Loan

I have an XXXX loan from cash-n-go. Every time, Cash-n-go process my payments through direct deposit, I was charged for additional 12-14 days of interest. The reason was waiting for the fund to clear from my bank. I went to see why their so much time delay for the bank to pay the loan but XXXX said no that 's not the case. The bank pays the next day after the business process it. Chas-N-Go had charged me XXXX times such extended interest for a reason not mine or my bank 's fault. Cash-n-go has lied to me by stating false information, and they charged me {$200.00} each for a total of {$1000.00}. I was rubbed in a daylight. 

If needed I can present my paper from the bank and Cash-n-go. 

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

Credit inquires, XXXXXXXX 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 Bank, XXXX XXXX never late sent XXXX, XXXX to creditor to credit bureaus XX/XX/2021 Dear Sir, I gotten the results of your investigation and have new material to add. I have been in touch with the creditors and had them update their data. I have been on the phone for the past five days trying to get to the end of this. Please discard these glitches and send me an updated copy of my credit file.
Product: Mortgage

The lender advised I could apply for mortgage assistance and once the packet was completed, which has happened, the foreclosure would be suspended. 
The lender has now refused to look at my completed packet, has refused to offer assistance and after stating specifically that the foreclosure would be suspended so we can work to modify or put in place a payment plan the lender has broken they're promise and has refused to suspend the foreclosure and refused to work with me to stay in the home as I have expressed I have every intention on staying in the home and getting my loan current or modified then kep current
Product: Student loan

In XX/XX/year>, as my loans were being transferred from Mohela to XXXX XXXX, I submitted a payment for {$260.00} to Mohela. My bank records show a payment to Mohela was processed on XX/XX/XXXX. 

In XX/XX/year>, I received word from XXXX XXXX that I was three months overdue on a payment. I contacted XXXX ( approximately XXXX XXXX ) and told them I would make a payment on XXXX XXXX in addition to my regular payment, due on XXXX XXXX. 

On XXXX XXXX, I called XXXX XXXX to inquire about payment processing times ( both payments in XXXX took at least a week to clear because they do not accept electronic payments from my bank ). During that conversation I learned that XXXX had not received a payment from me in XX/XX/year>, meaning the payment from Mohela was never credited to my account or applied.
Product: Debt collection

I pulled a recent copy of my consumer report and noticed that your agency is furnishing inaccurate information. According to the Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with the Fair Debt Collection Practices Act and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : XXXX. 15 U.S.C 1692b ( 2 ) - by stating that the consumer owes any debt. 
XXXX. 15 U.S.C 1692c ( a ) - communicating with me without my prior consent XXXX. 15 U.S.C 1692d - engaging in conduct that is harassing to the consumer in connection with the attempts to collect a debt. 
XXXX. 15 U.S.C 1692 ( a ) - invading the consumer 's privacy XXXX. XXXX U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization. 
XXXX. 15 U.S.C 1692e ( 10 ) - using false and deceptive means to collect an alleged debt. 
XXXX. 15 U.S.C 1692e ( 6 ) ( B ) - false representation or implication that a sale, referral or other transfer of any interest in a debt shall cause the consumer to become subject to any practice prohibited by the Fair Debt Collection Practices Act. 

The following account needs to be removed from my consumer reports immediately : XXXX. Midland Cred Date Opened : XX/XX/year> Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Debt Collection Practices Act.
Product: Debt collection

I received a response in which they explained how their business was formed. In which the debt collection continues after a police report was fax to them.
Product: Student loan

XXXX XXXX, XXXX I received an email from XXXX XXXX XXXX about how my employment has been recertified. On that same day, I receive a notice of my payment tracking and it says 0 payments have been counted towards my Public Service Loan Forgiveness from my past year of on time direct deposit payments. 

On XXXX XXXX, I received another XXXX XXXX XXXX email about my employment being recertified ( again ) and now instead of 0 payments counting towards my Public Service Loan Forgiveness, it says 2. Still, this sounds wrong as I have had direct deposit payments made every month for the past year with XXXX XXXX XXXX. 

On XXXX XXXX, XXXX I called XXXX XXXX XXXX to get an explanation as to why only 2 payments of the past year have qualified for Public Service Loan Forgiveness and I am told that it will take about 60 days for the request to review to go through. She informs me that payments do n't qualify if they are in forbearance or if I 'm late with my payments. She looks over my account and says it does n't appear that I had an issues ( no forbearance or late payments ) and the payments should be counted and reviewed in 60 days. 

On XXXX XXXX, XXXX I called XXXX XXXX XXXX as this is the end of the 60 days. I spoke with a representative and again he informs me that sometimes payment do n't qualify if they 're in forbearance or late. He checks my account and sees that all my payments are made on time and should count since nothing was marked on my account. As he checks my account he says it appears that 21 payments have been made towards my Public Service Loan Forgiveness and that I should hear back in the next few weeks with an updated qualifying payment email/letter sent to my account. 

On XXXX XXXX, I check my XXXX XXXX XXXX account to see if any of the payments went through and noticed that it still says 12 payments and nothing has changed. I called XXXX XXXX XXXX again asking about any updates for my payments towards Public Service Loan Forgiveness. The customer service representative told me she saw 22 qualifying payments were made and I told her that I was n't seeing the same information and it still only says 12 qualifying payments. She transfers me to someone else and this representative now informs me that I have been on a " rolling pay ahead '' program for the past year. None of the previous phone calls have ever indicated that I was in this program and my payments were being made on time every month. She informs me she will request my loans be transferred out of the pay ahead. She also informs me that she will put in a request to review all my payments from the past year and a half to be counted towards Public Service Loan Forgiveness. 

After 5 months of calling and waiting, and being told repeatedly that my account was fine, I have only now learned that I was on this rolling pay ahead program after a year and a half of payments.