23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I checked my statement on 6/23/2017 because I knew I had a payment due on 7/3/2017. My payment was XXXX higher than it had been previously. I have 2 loans with this servicer, both of them have been in an interest only repayment plan. The most recent statement, published on XXXX/XXXX/2017,  noted that the repayment plan on XXXX of my loans would end on XXXX/XXXX/2017 and noted the amount it would increase to. When I called my loan servicer about this amount, I was told that it was actually the OTHER loan that would increase after XXXX/XXXX/2017.  This other loan was NOT noted on my statement as the loan that would increase. They claimed they sent a letter to me notifying me of this change. I never received this letter. They cited an old address that they sent it to. I corrected the address and asked them why they did not send me this notification via email, like they normally do. They normally do not send me these notifications in the mail. I usually receive notifications of loan status/amount changes in my email inbox. They did not have an explanation for this. The man I spoke with on the phone proceeded to lecture me about my responsibility to pay back my loans. I told him that I would pay what I could but that I was not comfortable with the lack of accurate communication about my payments increasing. He then asked about my co-signer and if my co-signer ( who is my mother ) would be able to help me make payments. I told him I did not think so. I wanted to see if we could come to an agreement about a payment that works better for me at this time. My loan has increased at least twice in the past year. Once because of an interest rate change, the second time my loan increased around {$10.00} and I did not receive proper notification, but overlooked it because it was only a small increase. I probably should not have ignored that, but I ca n't go back and fix that now. This time it 's increased again and it 's almost {$100.00} more than what I 've been paying monthly since the last {$10.00} increase, and I can not afford a payment that is almost {$100.00} more than the payment I have been making. I 'm at my wits end with this loan servicer. They have terrible communication, terrible customer service, when I call in no XXXX seems organized enough to know anything about what anyone else already knows about my account, and they continue to raise my payments when they know I can not afford to make more of a payment than I already make. I have other loans and other obligations outside of this loan. THey are unreasonable and a pain to work with. The man I spoke with on the phone today spoke to me in such a way that it made me cry ... ..I have NEVER had such poor customer service. I have never had anyone from customer service speak to me in such a way that made me cry. I do n't know what else to do. I can not afford to have my payments jump higher and higher without proper advanced notification of the rate change so I can plan my finances accordingly and the bullying I get from customer service when I call about the changes and question the changes is over the top. Please help.
Product: Money transfer, virtual currency, or money service

Commencing in the beginning of XXXX, XXXX, I fell victim to a multilayered scam orchestrated by fake CoinW, operating under the domain www.coinwget.com. I was approached by XXXX promising grand returns on my investments. They had me download telegram and placed me in a trading group where I have met more victims such as myself. I have lost XXXX USD of my hard earned money using your services. The Page - 2 - of 23 COMPLAINT FOR DAMAGES AND OTHER RELIEF DEMAND FOR RESOLUTION OF FINANCIAL DISPUTE Fraudsters requested I pay numerous amounts of tax and release fees in order to withdraw my investments, which I now know to be fake, profits. It was too late when I figured out I was being scammed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} Collection XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$140000.00} XXXX XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX XXXX XXXX Original Creditor : XXXX PROP C ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} Collection XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$140000.00} XXXX XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Late/Open XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$140000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Late/Open XXXX C XX/XX/XXXX R CASE XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and XXXX XXXX about an account that was placed for collection on my credit report that is NOT my account. Neither of them would assist me in this matter. They just kept telling me that I needed to contact the other party.
Product: Credit reporting

Equifax continues to report an account ( XXXX Account # XXXX ) on my credit report that I have requested several times to have deleted since it does not belong to me. I had also attached to my investigations with Equifax as proof an original letter from XXXXBANK which whom is the original furnish-er of this account that they would delete this account since it does not belong to me. Equifax with proof from the original creditor keeps saying this belongs to me? 

-Attached is original letter from XXXXBANK-Attached is XXXX separate dispute results from EQUIFAX
Product: Credit reporting or other personal consumer reports

I sent EXPERIAN, XXXX, and XXXX letters ( XX/XX/2023 ) to do an investigation of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and other accounts that was removed after the investigation. I received the results of the investigation from XXXX ( XX/XX/2023 ) XXXX ( XX/XX/2023 ). I never received no paperwork from EXPERIAN. I mailed out METHOD OF VERIFICAION letters CERTIFIED on XX/XX/2023. XXXX # XXXX, EXPERIAN # XXXX, XXXX # XXXX. I am attaching all evidence of inaccuracies to my consumer report., investigation results of being modified and verified data, tracking docs, failure to respond that was sent out CERTIFIED ( XX/XX/2023 ). 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Product: Debt collection

I have try to explain this company that this debt was already remove from my credit file due to identity theft XXXX XXXX sold my information to ARS Account with out my permission. I advised them to remove from my credit file.
Product: Debt collection

Plaza Services - Failure to provide proof of alleged debt. I was not properly notified of an alleged debt that Plaza Service was reporting as an " open unpaid {$280.00} collection '' on my credit report. On XX/XX/XXXX is when I received a copy of my credit report and noticed this alleged debt. When I did see the {$280.00} reported by Plaza Services on my credit report I immediately took action. I sent a letter via mail contacting Plaza Services on XXXX XXXX 2017 asking them to verify the alleged debt. In the letter I also stated if the debt was legit and I truly owed {$280.00}, I would pay Plaza Services in full for a complete deletion from all three credit reporting agencies. I have yet to receive any written proof of this debt as of X/XX/17. I have given Plaza services more than enough time to respond, and provide me with proof of the alleged debt.
Product: Credit card or prepaid card

I got a text message on XX/XX/XXXX from the Comenity Fraud dept to verify a XXXX XXXX  XXXX  purchase for {$360.00}. I had not seen this text, but I did try to use the card earlier in the day and it was declined. Because I wasn't comfortable responding to the text that was sent to me, I tried calling the number on the back of the card, I was not able to get through and the call was disconnected. I tried many more times since XX/XX/XXXX and I still can not get through after waiting more than 20 minutes per call. 

I was able to go online and submit a help ticket/complaint, but I haven't gotten a response. I currently have a credit of {$520.00} on my card and at this point I just want to close the account and get my money back. 

Is this something you can help with?
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I contacted XXXX XXXX XXXX for XXXX loan. I had not realized the interest rate was over 300 %. Now in XX/XX/XXXX I have looked back over the five loans I have taken out and the service fees have been much higher than what was explained to me by the representative over the phone. For example, the loan disbursed in XX/XX/XXXX for {$500.00} had and immediate {$150.00} service fee added on to it before I even made a payment. 
Here is a list of loans to date amount borrowed and amount I paid back to pay in full. 
After first loan was paid in full I received weekly emails telling me I was approved for more money and to contact them. I added their email to my spam folder in XXXX and did not hear from them again. Due to full disclosure I did initiate the future loans through a phone call but was never told the high interest or amount I would b paying back. Due to the fact that I live in Pennsylvania ( I saw article online stating these companies can not operate in this state ) I would like the final payment of {$550.00} waived from paying this creditor. I have paid them a total of {$700.00} back on a {$500.00} loan to date. 

XX/XX/XXXX borrowed {$150.00} on XX/XX/XXXX paid off for total of {$220.00} XX/XX/XXXX borrowed {$300.00} on XX/XX/XXXX paid off in total {$450.00} XX/XX/XXXX borrowed {$500.00} on XX/XX/XXXX paid off {$800.00} XX/XX/XXXX borrowed {$800.00} on XX/XX/XXXX XXXX paid back {$1600.00} XX/XX/XXXX borrowed {$500.00} as XX/XX/XXXX still owe XXXX paid back {$700.00}, in conclusion, I would like one click cash investigated. The payment they attempted to pull from my bank on XX/XX/XXXX was flagged by my credit union due to it trying to pull from as account overseas. I called my back to release the payment. 
The reason for the concern is we found an article online about a settlement in XX/XX/XXXX about this company.
Product: Debt or credit management

Re : Dispute of Interest Charges and Credits on Account XXXX XXXX XXXX Dear Synchrony Bank, I am writing to dispute certain charges and refunds posted to my CareCredit/Synchrony Bank account XXXX XXXX XXXX. Despite being advised by your employee that a refund has been issued, my credit report and account statements do not reflect these changes accurately. Here are the details of my dispute : Dispute XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed as INTEREST CHARGE* PURCHASES REFUND Explanation : These entries suggest a refund of interest charges that I believe are erroneous. I have not received clarification on why these interest charges were applied and subsequently refunded. 

Dispute XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CREDIT BALANCE REFUND Explanation : The credit balance refund amount appears to be incorrect. I request a detailed explanation and correction of this entry. 

I was advised by your representative that these issues would be remedied and that I should contact you for a resolution. Please review these disputes, correct the errors promptly, and update any inaccuracies reported to the credit bureaus. 

Enclosed are copies of my account statements and the relevant transactions highlighted for your reference. I trust that Synchrony Bank will resolve these issues swiftly and accurately. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2023, I mailed XXXX XXXX XXXX XXXX XXXX an initial letter requesting full debt validation of the alleged debt in question via Certified Mail. XXXX XXXX XXXX XXXX XXXX received my initial letter on XX/XX/2023. 

After 30+ days, I did not receive a response from their office, so I mailed my second letter requesting full validation for the alleged debt in question again via XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX XXXX XXXX received my second letter on XX/XX/2023. 

After waiting for an additional 30+ days, XXXX XXXX XXXX XXXX XXXX failed to send their responses. 

As a consumer, it deeply concerns me that despite my written disputes and the absence of proper debt validation, XXXX XXXX XXXX XXXX XXXX has continued to report this alleged debt on my credit reports as of XX/XX/2023, which is a collection activity. This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. 

I do not know who XXXX XXXX XXXX XXXX XXXX is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt nor do I agree with this alleged debt on my reports as I never signed anything with such agency.
Product: Vehicle loan or lease

I made several payments for XX/XX/XXXX. My XX/XX/XXXXpayment ( that technically wasn't even due ) was paid ahead of due date and I decided to make 2 more extra payments. 
Since I couldn't make comments for online payments ... I sent one of the payments by mail along with a note. I specifically asked them to apply the payment directly to the Principal and not charge any finance charges. They charged me anyway. 
When I called ... they tried to tell me its all 'spelled out in the loan ' and that 'the earlier I make payments the less finance charges I had to pay '. ( So how come 4 extra payments in a month all had finance charges? ) I explained to him about the extra payments along with my letter that I had sent..and he told me again that its 'all spelled out in the loan '. 

He basically couldn't explain to me why I was charged .... 

Also ... looking through past payments and charges ... their 'daily ' finance fees are all over the board and make no sense at all.
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> This CFPB complaint was filed to request pursuant to FCRA subsection 605B ( 15 U.S.C subsection 1681c-2 ) that you the Transunion credit reporting agency block information appearing on my consumer credit report which is a result of identity theft and or fraud within 4 business days of receiving this complaint. This fraud, inaccurate, and false information consist of, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Also hard inquiry XXXX XXXX XXXX inquired XXXX XXXX. These accounts have resulted in several fraud inquired and fraud collections appearing on my consumer XXXX credit report. Ive attached a list of the fraudulent hard inquires and a copy of my consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize said aforementioned fraudulent items reported, these accounts were not made, opened or initiated by me. All of these aforementioned hard inquires and collections are results of identity theft and or fraud. I have also attached a copy of FTC identity theft complaint XXXX XXXXXXXX as proof from the US Federal trade commission that all of the aforementioned consumer credit accounts, collections and hard inquires are result of identity theft and or fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair reporting credit act 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 Account name : XXXX XXXX XXXX
Product: Credit reporting

My complaint is with TransUnion about an account on my credit report listed under XXXX XXXX. TransUnion is damaging my character and humiliating. It has been an overly burdensome task to try to have this rectified through the dispute process. I have never owned a XXXX vehicle and never made any late payments. I have worked with XXXX XXXX and sent many letters to TransUnion asking them to provide documentation that they are using to confirm the account is mine, and that i had made said late payments. I request this account be removed from my credit report if they can not provide requested proof/documentation. I have rights under the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding their continued willful and negligent noncompliance with my requests. I pray for relief from this overly burdensome mark on my credit. I certify that this said vehicle was never mine and I never made late payments to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Debt collection

Switched mobile carriers due to a promotion and my former company XXXX did not comply with my consumer rights to provide info needed and now trying to collect on me.
Product: Credit card or prepaid card

XX/XX/2023 - received past due Care Credit payment notice and I paid amount {$63.00} immediately. I called the customer service number to ask how to pay and I was informed that my account was closed by Synchrony bank due to XXXX payments that were reversed. 
XX/XX/XXXX, XXXX I made an extra payment of {$93.00} and the same day, my payment was rejected. I wasn't informed, so I could rectify it. 
XX/XX/2023 - I made an extra payment of {$250.00} and that payment was rejected. I wasn't informed until I received my bank statement. That payment was resent and accepted. 
All minimum payments have been paid on time and have never been late. I've received congratulations emails for paying my promotional bills early. Both payments that were reversed were extra payments and as soon as I was notified, I quickly resolved it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian on XX/XX/2018. USPS certified receipt shows Experian received my dispute. I disputed the accuracy and the verification of the account. The disputed account had an incorrect date opened. No account number. Inaccurate first date opened. Not only did Experian fail to delete the disputed account due to these errors, they also failed to properly validate the account per the Fair Credit Reporting Act, 15 U.S.C. 1681. The dispute was simply " rubber stamped '' verified. This Blatant violation of the law will result in seeking legal action.bought on by me if this can not be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company and the advised me to contact Experian for removal ; When contacting the Experian they advise me to file a identity theft on identitytheft.gov. I sent Experian, XXXX and XXXX the report and additional documents and they advised the amount from XXXX XXXX XXXX Balance {$25000.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX  Balance {$2700.00} fraud accounts will be removed i submitted all documentation and they close the investigation stating everything was verified as accurante.