23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My wife had been XXXX for the last 4 years and this has lowered our monthly income. AES has been unwilling to lower my monthly payments or place me on deferment and this has led me to be late and behind with my payments, so they sent me to collections. 
What I would like to do is pay my past due amount ( using my income taxes ) in order to be current, I 'd like them to remove me from default status ( and take me out of collections ) so that I can look into consolidating, and for them to work with me on a lower monthly payment. Currently it 's $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have been loyal customer to TD bank credit card for over 5 years and during the 5 years I never missed a payment under any circumstances and been paying higher interest to them and fees more then XXXX $ over the years. Recently and when the covid 19 pandemic had started in XXXX I lost my job like to many New Yorkers and lost my uncle due covid 19 and I had the worst Financial situation in my life I called my bank begging for help and trying to explain to them how bad is the situation here XXXX at the time but they werent even ready to hear my story they said we can help you because you late already 20 days or so. that call was made In the middle of XX/XX/2020 and they said there is nothing we can do to help you. You still have to pay us the high interest and the late fees otherwise we will report you to the credit agency as a missed payment. also, I called later on XXXX to beg them to not report me as missed payment after they report missed payment for XXXX their answer were the same I begged them to report me at least as ( affected by the pandemic ) not missed payment and yet they refused and were so heartless and money hungry they were waiting for 5 years to do that to me. 5 years of perfect payments which they didnt like because they couldnt charged me higher interest then which is already high 24 % interest rate. Please help to stop these big bank who took advantage of me because the pandemic and destroyed my Financial history. These big bank didnt follow with care act specially TD bank with I had to beg for help that I never got from them .and kept reporting me as missed payment like I choose to to miss payment and they forgot it was all out my control and I was a victim of a natural or declared disaster. Nevertheless, I called XXXX to ask for their lawful help and my right from the CARE ACT but they werent helpful at all and rolled for the big bank favorite and said even tho it was pandemic you were still have to pay them the only time you wont have to be them its if you dead.
Product: Mortgage

I called Fay Servicing who is my Mortgage company. My loan number is XXXX. I explained to them that due to this Covid-19 Crisis, and since I'm in XXXX and it's become very hard to XXXX  anything to companies that are closed, could they please defer my payments for a couple of month. I am current with my payments. They said they couldn't help me.
Product: Credit card

I never applied for the Bank of America XXXX airlines card. I received application information in the mail and reached out because I did not apply for a credit card and reported it as fraud. I informed Bank of America that I never applied for a card. They told me that the card was cancelled and I wouldnt received the card. However, I received a card. I called back to let them know that I received the card that they said wouldnt be sent. Again, I reported that this was fraudulent and that I never applied for the card. A couple of weeks later I got a communication via email that a card had been mailed to me. I called again and was assured that no ward would be mailed. Again, I received a credit card in the mail after being informed that no card would be mailed. Why would they send out another card on an account that was already reported as fraudulent? I called again today to inform them that I received a card in the mail that they told me I would not get. Unbelievable. Ive already put a fraud warning on my SSN at the credit bureaus. Im astounded by the incompetence and seeming unwillingness to stop fraud by Bank of America. They are unwilling to put any sort of flag on my information to prevent further fraud. They are unwilling to tell me what personal information they have on me despite my request. And they are unwilling to delete my personal information despite my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, and Trans Union several times about fraudulent activity on my account. I sent my XXXX drivers license and passport serveral times and can not get my reports.
Product: Debt collection

I keep contacting Fortiva and letting them know to please forgive my credit card debt. It is only {$340.00}. It has been a long time since I have made payments to this account. I paid them a lot in interest that went over the sum of XXXX XXXXXXXX. They made it almost impossible for me to pay it off and now it is affecting my credit. I told them to do it out of good faith and good will.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit card or prepaid card

XX/XX/2021, I purchased a vacation package from XXXX XXXX XXXX for {$4400.00} using a credit card issued to me by the Navy Credit Union. I did not receive a vacation package nor a refund. I contacted the Navy Credit which is the issuer of the credit card and they fail to reimburse me, knowing I did not receive a vacation package nor a refund.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear CFPB, For the past year we have attempted to obtain a XXXX without success. Due to an attempted identity theft, our XXXX credit reports were frozen. XXXX uses XXXX for the XXXX processing. At their ( XXXX XXXX request I temporarily lifted the Experian freeze via the Experian website and re-applied for the card. Approximately 4 times during 2016 I lifted the freeze temporarily, applied for the card, and was denied. Each time the reason was that the Experian freeze was not lifted. All attempts to call Experian and speak to a person were unsuccessful. Experian seems to be excellent at avoiding direct customer contact by phone. 
XX/XX/2016, I requested Experian to permanently remove the security freeze on my account. The Experian confirmation letter is attached. XX/XX/2016 after receiving confirmation of the freeze removal, we re-applied for the XXXX and were again denied. The denial letter from XXXX is attached. The reason again is that the Experian freeze has not been lifted. Please contact Experian and / or XXXX on my behalf and attempt to resolve this. The problem seems to be with Experian not lifting the freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all account which has nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX
Product: Credit reporting

I again come to you for your assistance with this matter. I am the victim of ID Fraud and I have sent all the information that is needed to Equifax to remove the accounts that are affected. I sent the Police Report, FTC Affidavit and a letter of reference to Equifax and they still leave the accounts on my credit report and they have yet to remove them all.. Please again remove the fraudulent accounts off of my credit report and please block them out so that they can not continue to reinsert the sae information back on. You have deleted XXXX XXXX twice and yet tey continue to re-insert it back on because your have n't blocked the. XXXX XXXX XXXX is the collection agency that is collecting for XXXX XXXX and you have only deleted XXXX accounts and left the others there. You have left XXXX there. Please do your due deligience and no this should not take 60 days to complete you have 4 days to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. With the XXXX fiasco, I tried to contact Transunion to put a freeze on my credit report. Initially, when I clicked on Click to initiate freeze process, I was directed to a screen about a {$19.00} fee. Later, I got the message, " We are experiencing heavy volumes due to the XXXX breach. Please try your request again later. '' I 've been trying for days. Now, the message is The website is temporarily unavailable. Please check back later. We apologize for the delay. Incredibly, initiating a freeze with XXXX  and XXXX was easier. 

XXXX. Why is TransUnion trying to get us to pay them {$19.00} for a freeze? This should be waived. 

XXXX. I 'd complain about XXXX, but everyone knows about that situation and a complaint wo n't solve anything.
Product: Payday loan, title loan, or personal loan

I was approved for a loan in the amount of XXXX on XX/XX/XXXX. When I contacted the company on XX/XX/XXXX the representative I spoke with told me that the system had me in the pay back twice the month even though it is suppose to be once the month on the XXXX of every month. She corrected the mistake and then told me I was approved for XXXX and that I needed to resign the agreements. I signed and initialed everything and submitted my employment verification. Later that evening on XX/XX/XXXX I called to check the status of my loan and was told that the company had withdrawn my application with no reason or recourse.
Product: Credit card

On my American Express Platinum Card, I was charged {$550.00} in interest cost, posting on my statement on XX/XX/2023, which I believe was an overcharge. 

I first approached American Express Customer Care using Chat Function on XX/XX/2023. The Professional Rep indicated that interest charge resulted from {$960.00} that went unpaid for 25 days. After he or she was unable to authenticate the interest charge, the Rep pledged to open an investigation to validate interest charge calculation ( XXXX ), but failed to do so or follow up with me. I saved the Chat Transcript. 

Next, on XX/XX/2023, I followed up with American Express again. Similarly, the Professional Rep had no knowledge of my prior inquiry or concern on the interest rate overcharge, nor a record of the prior investigation. I also saved this Chat Transcript. I allowed 3 weeks for them to resolve and follow up with me, and they haven't done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I called XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX a paid off a debt in the amount of {$180.00} on XX/XX/2022. XXXX i had my credit pulled for a loan and it stated that the balance is still unpaid. i did a dispute and it still came back as unpaid i contacted XXXXXXXX XXXX and the stated it was reported to Equifax on XXXX XXXX i was given a control number of XXXX to give to Equifax When i called equifax i was given the run around i called the collection agency back who then sent me a letter stating it was paid. i called Equifax back no one would listed i paid the account 4 months ago yet i can not get an update on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Product: Credit card or prepaid card

On XX/XX/2023 - made payment of {$8000.00} Called on XX/XX/2023 to update to payment of {$800.00} On XX/XX/2023 USAA updated account to show ADJUSTMENT-PAYMENTS - {$8000.00} On XX/XX/2023 USAA *FINANCE CHARGE* PREV CYCLE PURCHASES - {$57.00} Finance charge is back-interest they are charging me on the {$8000.00} to current date Adjustment payment is the adjustment of {$8000.00} back onto my account. I have not received the money back ( XX/XX/2023 ). They sent a letter stating a check was sent on XX/XX/XXXX. 

1 ) They are refusing to remove back-interest charges, even though they processed and have my payment of {$8000.00} ( as of XX/XX/XXXX ). 

2 ) They are refusing to update the statement to remove the {$8000.00} " ADJUSTMENT-PAYMENTS '' until I receive and cash the check. 

I should not pay interest or back interest on money that has been out of my account since the payment processed on XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2021, a Google Play gift card was purchased in the XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, GA XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX. When the card was gentle scratched off, NOTHING was there. XXXX is selling FAKE products for Google. when the XXXX store was contacted, both the store and XXXX headquarters basically told me to " GO TO XXXX! '' XXXX sent a clear message - three times - that they do not care about their customers ; NOR do they care about customer service. When we tried to call the Google Play card number, a recording stated that it was NOT a good number and no longer in service. When we tried to contact Google thru four of their websites, ALL of them were fraudulent and would not allow customers to report fake/fraudulent merchandise that they are selling to the public. THIS IS CONSUMER FRAUD and a FEDERAL CRIME! Both, XXXX and Google should be held accountable. There are several websites of many thousands of customers listing their stories and who have experienced the same fraud by XXXX and Google.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize Capital One Auto to access my credit file or solicit any finance offer to me in 2021. Capital One Auto has used my credit report and gotten access to my credit file without my permission. My credit was frozen. I did not file any application with Capital One Auto. I received a phone call from Capital One Auto soliciting asking me if I wanted to get a loan with them for another vehicle and i declined their offer. 

I did not authorize XXXX to access my credit file. I did not authorize XXXX XXXX XXXX to pull my credit file. I have never applied for anything with these companies.
Product: Debt collection

I am retired  XXXX  member with a account in Army and Air Force Exchange Service Collections Dept. I have been in a financial hardship and in financial dire straights since garnishment of my  XXXX  benefits began from AAFES back in  XXXX    XXXX  . I only have my  XXXX    XXXX   pay and   XXXX   Benefits to live off. I have not been employed for the past 2 years Since my balance is well below my original  Military Star  account credit line of {$5000.00}, however, AAFES is continuing to garnish my pay  XXXX  Benefits for {$240.00} per month plus charging interest on a non active closed account. The company is causing me a serious financial hardship. I am not asking for the collection to stop, just for a account adjustment on the monthly collection payments now that my balance is now only {$2500.00}, Can you please authorize normal monthly credit card payments based solely on my current balance, as the credit card payment center would normally charge? The current of {$240.00} be collected is causing a extreme financial hardship, my balance has come down, however, I have bad payment history because simply I have no incoming affordable income to to pay account off. I am requesting one of the following : Sell my current loan account to another finance agency, institute regular credit card payments on my current balance, authorize a lower payment, lower my interest rate, or just simply accept what I can mail in for payment, but please stop the collection garnishment. As of right now, now I can only afford to pay a normal credit card payment based on my actual current balance until I gain reasonable employment.
Product: Credit reporting or other personal consumer reports

Ive requested prior that Experian, XXXX, and XXXX update my payment history on my credit report and they have yet to do so. The information is incorrect and out of date. I have reached out to both the lenders on both accounts for the XXXX XXXX account and the XXXX XXXX XXXX account and they have confirmed that it is not them reporting the information wrong. These 3 Credit Bureaus are using my information improperly and reporting the information incorrectly. I would like it updated as soon as possible to Paid On Time like it was before hand.
Product: Consumer Loan

GreenSky Credit has mismanaged a line of credit that we applied for but never used. GreenSky processed a fraudulent/unauthorized transaction from a merchant and did not even follow their own procedure for an authorized transaction and is now trying to make us responsible for the full transaction ( {$18000.00} ). Over the course of 60 days we have made numerous request in writing and by phone to have this unauthorized charge remove. Their position seems to be that a self-serving document from the merchant is what they are acting on even though we never authorized any transaction by any means at any time and they can not produce any evidence that we ever wanted this transaction. My wife and I have tried patiently over many months to work with them but they are refusing to charge back to the merchant and properly zero out our account and close it permanently as requested numinous times. We have extensive documentation to support our position and to refute any rational they may offer. 

Please help us. 

Sincerely Yours,
Product: Credit reporting, credit repair services, or other personal consumer reports

Released my personal information, which Equifax had no personal permission to collect, released to " hackers '' along with 143 million other people. Then Equifax refuses to give me XXXX because they ca n't verify my info. Called a representative on X/XX/17.was told to callXXXX, but after several attempts throughout the all I got was a busy signal.
Product: Student loan

XXXX XXXX XXXX is attempting to collect on behalf of XXXX XXXX Student Loan XXXX XXXX for a remaining balance reported to them by American Education Services of XXXX loans. This balance has been accruing interest for almost 9 yrs without my knowlege or notification of a past due or outstanding payment. These loans were both paid in full on XX/XX/XXXX through a consolidation loan I received from XXXX XXXX ( now XXXX ). Original loan documents as sent to me by XXXX are attached showing paid in full.
Product: Checking or savings account

I closed a truist account at least two months ago, I cant remember the exact date. I had opened the account on XX/XX/XXXX and closed it shortly after mom died in XXXX. I had opened a joint account it to help her since she had XXXX. About a month later i no longer needed the account since my main bank is XXXX XXXX. I closed the account at truist over the phone and asked them to send me a cashiers check for the {$400.00} or so odd dollars that was in the account. To date I have not received my money and have had 6-7 interactions with them mostly on the phone but once at the branch in XXXX XXXX XXXX XXXX XXXX. They have told me time and time again that it is coming and after they determined it might be lost on XX/XX/XXXX they said theyd escalate it but as of today, after another interaction with customer service they still can not tell me when Im going to get my check.
Product: Checking or savings account

in XX/XX/2020 someone used my navy federal credit union card to make a purchase without my knowledge.. the purchase was over {$1500.00} to a company called gotogate.com I tried to resolve with both companies and no one cares
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote to Experian to bring to their attention multiple accounts they have furnished on my consumer credit report that were false and/ or inaccurate. In my letter, I explained the reasons for the accounts being false and the reasons why they require removal. In accordance with the FCRA, a federal law, I was very clear and gave them ample time ( 30 days ) to reinvestigate these accounts and provide me with specific information from their investigation - also in accordance with federal law. Although federal laws are also public knowledge, I also explained to them in my letter that if they did not conduct a proper investigation as required by law within the 30 day window, these accounts would need to be deleted from my consumer credit report. To add to my certified mail receipts, I have sent them a demand to comply letter on XX/XX/2021, 31 days after the dispute was initiated. It has now been 32 days. Federal law states, that credit reporting agencies have assumed a vital role and there is a need to insure they exercise their grave responsibilities with fairness and respect to the consumers privacy. Federal law also states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner which is fair and equitable to the consumer. At this point, this is not fair or equitable and it has caused me much distress to still have these inaccurate and false accounts attached to my credit report. Please, as the CFPB, please support the consumer agencies in doing what they already must do- comply with federal law and treat consumers fairly.