23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have previously submitted a report on XXXX XXXX, and now I would like to submit my complaint with Discover. 

I have XXXX Discover loans, XXXX being 8.8 % interest equaling {$11000.00} ( {$10000.00} originally ) and the other being 7.2 % interest equaling {$19000.00} ( {$18000.00} originally ). 

The problem with the loan is NOT the amount, rather the fraudulent interest rates I am being charged. Because the interest continues to compound, my payments barely eat into the principal leaving me with a bigger loan than I started. 

I make every payment on time, however it seems to make little difference if I pay more than what is due. This is ruining my credit report because my debt to income ratio looks horrible, even though I make all my payments on time. 

What this is effectively doing is keeping me from getting any sort of loan to buy a house, or put a dime back into the economy. It does appear as though this will be the case for a long while unless something is down to lower my interest rates to an acceptable level. 

Paying $ XXXX- {$1200.00} a month in student loans is not feasible when I am barely cutting into the principal and lowering the loan amount. In every case of my loans, they are now currently bigger than when I first received them even though I am paying this amount of money EACH month. This should not be allowed and is a form of loan sharking. 

I am not asking for my loans to be forgiven, however I am asking that my interest rates be put at a normal level of almost all other loans in this country at 2 % interest. There is no reason I should be suffering from an fraudulent interest rate ; students should not be punished for seeking a higher education. 

After calling each of these companies several times, I have found NO help in trying to refinance my loans. The only option I get is to go into forbearance, which would mean a lifetime of debt for me and possibly other family members. 

Please review my case and understand where I am coming from. I can not express enough how these interest rates undermine my consumer rights.
Product: Debt collection

TEK COLLECT INC ( XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$240.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get in contact with both comenity bank and alliance data card services the letters I have sent have yet to produce a response there are multiple inaccuracies on my credits from this company such as date opened, the balance and the date last active. The payment history is also incorrect as well I have never been late with this company I spoke over the phone with a representative and set up auto-pay so how can I be late if it was not drafted Ive tried over and over but still have not gotten any relief I would like the late payments reporting removed from my credit profiles
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ATOMIC XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card

I am disputing the collection account with XXXXXXXX XXXX XXXXXXXX account number XXXX, dated XX/XX/year>, with a balance of $ XXXXThis account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXXXXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit card or prepaid card

I have contacted Chase multiple times to file a claim for reimbursement for a Rental Car Auto Accident. I have had a pending claim since XX/XX/2018 and every time I call the claims company handling it I am told a representative will contact me in 3-5 days. No one has every contacted me. I have submitted all the requested documents to support my claim. The accident occurred in the XXXX XXXX and I am unable to obtain any more documentation other than what I have submitted which I believe is more than enough. The car rental company do not have individuals who communicate in English as they are all XXXX speakers. My requests for a cost matrix was met with confusion. I have followed up twice in XXXX and once in XXXX and still this issue has not been resolved. I have the Chase Sapphire Preferred Card which includes Primary Rental Insurance. Chase is not meeting their obligation to cover this claim. I can be reached at XXXX or XXXX. The claim number for XXXX   online ( Chase 's third party service ) is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Capital One Bank that they are inaccurately reporting that I was late XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX BV XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX XXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX  XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$230.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) XXXX Balance : {$6600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I was hit by a car in XXXX of 2013 and taken way via XXXX. There was a pending ambulance bill that my insurance provider ( XXXX ) was supposed to handle that was not known until months after the incident. I was able to get XXXX on the phone with Fidelity Creditor Service and I thought the pending amount of {$2000.00} was taken care of. What I did n't know was that there was an additional {$570.00} leftover. After two years now, I realize that there is a pending bill to Fidelity of {$900.00}. I was never informed about the balance due. There was no effort on their behalf to contact me. I lived at the address they had on file for a year after the incident and I never received another letter, phone call, or email from them. 

I spoke with XXXX XXXX at Fidelity prior to speaking with XXXX and was never told that the {$900.00} was including the interest on the {$500.00} bill. After back and forth with XXXX and XXXX XXXX XXXX ( where the money was due ) I finally figured out what was due. I told XXXX I was more than happy to pay the original {$500.00}, but he refused. After another XXXX minutes on the phone he spoke with his supervisor who said they would drop the fee to {$800.00}. I reminded him that I was never contacted about this pending bill that has gained interest over 2.5 years. I told him thank you for the offer, but I wanted to speak with his supervisor. 

This is when XXXX XXXX got on the phone. I reexplained to him that I never received a bill for {$580.00} and to charge me interest on a bill over 2.5 years old was preposterous. I asked for his title assuming that there was a supervisor over him. He told me that I was being rude when I asked his title and that he did n't need to give me a reduction. 

I have never been delinquent on a bill ( happy to provide a credit report ). The fact of the matter is that Fidelity let this bill gain interest over years and years until it was noticed by chance leaving me to suffer the consequence.
Product: Credit card or prepaid card

I have been issued a paper to go to court, in reference to monies I owe on a credit card with Credit Corp Solution. 
Docket # XXXX at XXXX XXXX XXXX, in XXXX TN The amount is XXXX
Product: Checking or savings account

Is the following a violation of any banking regulation : We have been unable to view our personal checking account transactions since PNC bought out our bank, formerly known as BBVA. 

This has been going on for over two weeks now, with no one able to resolve the problem because they claim they are working 24/7 to resolve this issue with so many customers. Situation sounds like utter chaos. 

So we do not know whether our deposits and direct deposits are being properly credited nor do we know whether our withdrawals are being properly and correctly processed. Indeed, we don't even know if our account might have been hacked. 

Neither local branch employees nor management personnel at PNC can tell us how much longer it will take to get this resolved. Just that they are working on it. 

Please advise ASAP if this is a violation of any banking regulation. 

Thank you
Product: Debt collection

I have disputed three medical debts with Transworld System that are according to my credit report, over five years old and reporting as collections accounts. These are the only collection accounts I have and wsnt them to be removed. The collection agency has not responded with validation, these are not my debts.
Product: Consumer Loan

Case number : XXXX This is the submission of XXXX XXXX disputing the response " Explanation of closure '' of JPMorgan Chase Bank NA of XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto report my car as repo when it was paid off in full and I have the payoff letter and paid off I was never late proof : XXXX  is reporting Account was in dispute- now resolved - reported by subscriber. 
Merchandise was taken back by credit grantor ; there may be a balance due. This is not true and I have written proof. XXXX abd XXXX removed this information but XXXX will not. 

Date Last Active : XX/XX/2020 XXXX/XXXX/2020
Product: Student loan

I called the loan provider ( Ed financial ) at the end of XXXX to get a refund for the student loan I paid off during covid. I was quoted 150 days. My brother-in-law went through his loan provider ( XXXX XXXX ) on the same day as me to complete the same process of getting a refund. He had reached out to his provider at the end of XXXX, they were able to cancel the initial submission and redo it, and his account balance was brought back to the pre-paid balance two days later. I called Ed financial to see if we could do that to get my refund so I can submit my application for forgiveness and was told no. They dont have any update on the process and they cant do what I want them to. My brother-in-law called his provider yesterday because the dollar amount was not above XXXX XXXX, and today the new balance is reflected.
Product: Credit reporting or other personal consumer reports

Ive noticed an unfamiliar account on my credit report that isnt mine. It might be due to identity theft or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 Transunion XXXX. My credit freeze free membership reflected I was XXXX XXXX military. I have never been in the military. I spent all day trying to talk to a customer service representative. It took XXXX attempts before I was able to have the freeze taken off. 
XXXX I had an employer inquiry on my credit report. I tried to dispute the inquiry but was unable to online. In a couple of days the inquiry disappeared. How did this happen? 
XXXX I had a security question that I answered correctly. Unable to access my account. 
XXXX I was unable to look at all my security questions. XXXX of the security questions I don't recall adding to my account. I can no longer find the question XXXX My updated information was not transferred to my other membership accounts. 
XXXX I requested a fraud alert on my account due to having incorrect military information and fearing my identity has been stolen. No help that day. 
XXXX Only being able to submit XXXX dispute at a time. 

It is unacceptable for a credit bureau to have these complaints. Disappearing information, incorrect freezes etc. It is unacceptable that there are XXXX logins. They are making it harder for their clients not easier. The credit bureau should be held to the same standards as financial institutions and banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX OFFERS FREE CREDIT SCORE MONITORING THROUGH TRANS UNION. 
SCORES XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A 21 POINT DROP.. 
I USE ALL MY CREDIT CARDS EVERY MONTH, ALSO PAYING MY BALANCES OFF IN FULL EVERY MONTH. DEMONSTRATING RESPONSIBLE FINANCIAL BEHAVIOR. 

THERE REASONING FOR THE DROP IN HE SCORE. FROM TRASUNION FICO SCORES CONSIDER WHETHER A PERSONS CREDIT REPORT SHOWS RECENT BALANCES ON REVOLVING ACCOUNTS. YOUR FICO SCORE WAS IMPACTED BECAUSE YOU ARE NOT CURRENTLY DEMONSTRATING ACTIVE REVOLVING CREDIT MANAGEMENT. ( FALSE ) STATEMENT FROM TRANSUNION PEOPLE WHO SHOWS MODERATE AND CONSCIENTIOUS USE OF REVOLVING ACCOUNTS, SUCH AS HAVING LOW BALANCES ANY PAYING THEM ON TIME, GENERALLY DEMONSTRATE RESPONSIBLE FINANCIAL BEHAVIOR. PEOPLE WITH OUT RECENT REVOLVING CREDIT ACTIVITY TENDS TO BE VIEWED AS A HIGHER RISK BY LENDERS. 

XXXX XXXX XXXX XXXX NEEDS TO STOP PLAYING WITH IMPORTANT CONSUMERS INFORMATION THAT AFFECTS CONSUMERS DIRECTLY, AND SERIOUSLY YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 



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Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of several credit inquiries and one fraudulent account from my credit report. I did not authorize these inquiries or the opening of the account listed below, and I assert that their presence is adversely affecting my credit score. 

Fraudulent Account : XXXXs Date Opened : XX/XX/XXXX Unauthorized Credit Inquiries : XXXX. XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX ( Retailer ) XXXX. XXXX XXXX - XXXX XXXX, XXXX ( Finance ) XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX ( Bank ) XXXX. XXXX XXXX XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX XX/XX/XXXX ( Finance ) XXXX. XXXX XXXX Bank - XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX Bank XXXX. - XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX XXXX via XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX These inquiries and the fraudulent account were made without my knowledge or consent. I insist on their immediate removal to prevent further damage to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXXXXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion I do not recognize these transactions credit was pulled multiple times when it should be pulled once by some institutions
Product: Debt collection

Every day beginning on the XX/XX/XXXX of each month, XXXX XXXX XXXX - 3rd party collection department calls me about my payment being late. My payment is due on the XX/XX/XXXX. They call 4 or more times a day, do not leave messages, and at least 2 of the  calls are now originating from an Unknown number. I answered this unknown number today, I had to ask repeatedly who was calling and the person kept asking me who I am instead of identifying herself as being with XXXX XXXX XXXX ( XXXX ). I have spoken with XXXX several times this year, and they record their calls. I have informed them that as of this year XX/XX/2018, my payday was changed to the 4th Wed of every month. I asked if they could move my payment date so my payments would be on time instead of 9-15 days late depending on the month. I was told to defer the payment instead. The person did not advise at that time that to qualify for payment date change, I can not have any extensions or deferred payment for 6 months. In XXXX, I asked them for help with my payment date change and was steered to a deferral of the payment to the end of my term. I was not advised that I would not be able to change the due date if I agreed to this action. I have called and written to them several times about changing my due date. This loan over 3 years old and I have never been 30 days late. However, they have deferred several payments and never informed that the due date change could only occur if the deferred payments did not occur within the past 6 months. They are now harassing me with calls the day after the XX/XX/XXXX, refuse to identify themselves, do not leave any messages, and now the calls are escalating in number to 4 or more times a day with some of these calls being from an unknown number. I feel harassed and I have several XXXX and illnesses where this harassment is creating unnecessary stress and duress. I have informed XXXX that I will continue to make payments and that their tactics are the reason the collection calls continue. Had they advised me of the due date change option accurately and appropriately, there would be no need for collection calls as my payment would be on time each month instead of 9-15 days late. I would also not being paying unnecessary interest and fees if they had informed me of this choice accurately instead of deferring multiple payments throughout the term of my loan. I still paid them within 2 weeks of the deferrals when I received my money. However, they do not apply the payment or any overage payments ( I almost always send more than the payment amount due ) to the principal balance of my loan as I have instructed on numerous occasions through their website and speaking to customer service. Instead, they lower the payment amount due on the next month. I feel like this loan should have a lower principal balance due to the instructions I tendered for application of my payments, and the harassment should stop. Stress exacerbates my illnesses, and harassment from XXXX is causing stress for me at this point. They have violated the FDCP in numerous ways as well as conduct predatory application of the money I send to my principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

2. I received the response in regards to the inquiries. The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i  ). *XXXX XXXX / XX/XX/2019, *XXXX  / XX/XX/2019.
Product: Student loan

I received 4 loans from the lender, Sallie Mae, as an XXXX the XXXX XXXX XXXX. I am having overwhelming issues with my lender. My main issues are as follows : 1. Payment processing. My lender is re-allocating my payments and creating errors regarding the past due status of the account which is affecting my credit. On several occasions my payments have been reversed and reapplied. I can not reach a customer service representative to explain these reversals.

2. INVOLUNTARY forbearance has occurred MULTIPLE times without my knowledge or permission. This has caused my loan principle amount to grow significantly. My original debt totaled {$60000.00} and now stands at {$95000.00} despite having paid more than {$25000.00} toward the debt since they were disbursed ( disbursement dates XXXX ). 

3. Rate reduction program repayment plan was offered to me and was a deceptive tool that led me to accumulate significant unpaid interest by forcing me to wait 3 months to accumulate unpaid balance that would then get rolled into my principle when the program decreased my interest rate significantly.

3. My loan status is " disqualified ''. I have zero explanation from Navient as to what this means and why my loan status is described this way. 

I have submitted this complaint back in XXXX and the case was " closed '' but without resolution. This has now happened again in XXXX.