23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted XXXX on XXXX via telephone 14 times that I documented and sent a written dispute to them via email. They said I owed money for painting an apartment when my daughter moved out, for which I was a guarantor. She lived in the apartment for 3 years and left it spotless. They would not do a walk through upon move-out and we don't know what they did in the weeks while the apartment sat empty. They never sent any proof for the reason they wanted {$150.00}. They subsequently sent the debt to Genesis who harassed me over the phone. I told Genesis that the debt was not valid and to send me documentation in writing. They never did and instead reported the incorrect debt to the credit bureaus. 

My calls from Genesis : * XX/XX/year> at XXXX : Received a call and when I asked for the last name of the person calling me, she said " does it matter '' and hung up. 
* XX/XX/year> at XXXX : Spoke to XXXX XXXX and asked for identifying information and I would not provide it over the phone as I did not know who I was speaking and I did not have any proof of a valid debt. He ended the call. 
* XX/XX/year> at XXXX : Spoke to XXXX who would not provide his last name. I told him to send a written debt validation letter. He said he would not do that and requested my personal identifying information that I would not share with someone calling me over the phone. 
* XX/XX/year> at XXXX : Would not provide their name. I told them not to contact me via phone and to send me documentation of the debt as it was not valid.
Product: Student loan

During the summer, my loans were transferred from XXXX to Mohela. I sent two in-messages on XXXX XXXX, XXXX and XXXX XXXX, XXXX about employment verification and getting payments to become eligible. I event tried to call, but had absurd wait times. 

I was ignored and read that others were being ignored as well which was convenient given the XXXX XXXX deadline set by the government and already passed so they didn't have to honor the Limited XXXX Waiver. 

To get help, I reached out to the XXXX  last week. The XXXX has been getting responses from Mohela, however, Mohela is refusing to fix the problem. 

I filled out the XXXX application last XXXX of XXXX. During that time, I was hired with XXXX XXXX Texas XXXX XXXX XXXX ). My time spent with them is also stated on my XXXX XXXX  that I provided to the XXXX  and Mohela which which is dated, signed, and stamped by HR. This should be plenty of proof for employment verification. 

According to Mohela, since I filed the application in XXXX XXXX and XXXX confirmed it, my payments from XX/XX/XXXX- XX/XX/XXXX do not count as eligible payments. That's ironic since Mohela stated at the beginning that was was still employed by XXXX. XXXX records clearly show that I was employed by them from XXXX XXXX XXXX but Mohela refuses to honor that. I did switch districts and started new employment in XX/XX/XXXX which I stated to the XXXX  and Mohela. 

The issues are this : 1. Mohela is cheating us out of eligible payments towards the XXXX even when given employment verification. 

2. They purposely ignored out communication since the XXXX XXXX deadline would pass as set by the US Govt. 

3. Next, when I do fill out a new application, then only my payments from XXXX to XXXX. will count as eligible, but nothing for the rest of this school year though I'm employed. Mohela states we only need to fill out an application once a year, but what good is that doing us when they don't honor a full given year and stop counting eligible payments from when the application is filed. 

4. In addition, as a teacher, our contract is from XXXX to XXXX in a given school year. However, our service records show only our school year 's end date when we leave so either XXXX or XXXX depending where you work. So all of us are losing eligible payments in XXXX and XXXX when we leaving a district even though we are paid and contracted through XXXX in a given year. 

5. I understand if they're going by the service records which is why they can not honor XXXX and XXXX, but even then, that's not fair. With that being said, if they'll go off of the XXXX  XXXX  for that, why aren't they honoring all eligible payments for the full time we've been with a district then? It doesn't make sense as they try to cheat us out of money and payments.
Product: Student loan

I have a loan that was previously serviced by XXXX XXXX, but was transferred to American Education Services ( AES ) in XXXX. Prior to the transfer I re-certified my Income Based Repayment ( IBR ) plan through XXXX XXXX. I received a confirmation from XXXX XXXX that my IBR application had been approved on XX/XX/XXXX ( see attachment ). Subsequently, my loan was transferred from XXXX XXXX to AES. AES sent me a letter in XX/XX/XXXX saying that if I did not re-certify my IBR plan  by a date in XX/XX/XXXX ( a date that had already passed ), interest on my loan would be capitalized and I would have a new monthly payment amount. 

I called AES immediately and was assured that the IBR application was probably not processed yet. I was asked to send my confirmation from XXXX XXXX that it had processed my IBR application. I faxed the same attachment that I have included here. Weeks passed and I did not hear from AES about whether they had fixed the problem. I called again and was told that they had located my IBR information and they would fix the problem. 

On XX/XX/XXXX, AES erroneously capitalized {$670.00} of interest on my loan and added it to the principal. It also increased my monthly payment amount from {$10.00} to {$50.00}. I again contacted customer service and was told that they were aware of the mistake and were working to fix it. Nothing happened. Eventually my payment amount was lowered to $ XXXX/month and I was told that my IBR status had been approved. However, AES did not remove the interest capitalization from XX/XX/XXXX. I called customer service again and was assured that the capitalization takes time on their end to correct but that they were aware of the problem and would fix it. 

It is now XX/XX/XXXX and nothing has been done to remove the erroneously capitalized interest from my loan. I do not relish the idea of speaking to a clueless customer service agent from AES again and going through the whole story. It has become clear that AES does not intend to do anything to address the problem. Interest was erroneously capitalized on my loan, increasing my principal balance. This is akin to theft.
Product: Vehicle loan or lease

XX/XX/2023 I mailed Capital One Auto Finance a letter requesting for documentation. 

XX/XX/2023 I filed a complaint on Capital One Auto Finance with the consumer financial protection bureau requesting also for that documentation. 

XX/XX/2023 capital one auto finance responded through the consumer financial protection bureau portal and said they received my complaint or request and they also placed it in a cease-and-desist status on XX/XX/2023 but they failed to provide me with the documentations that I that I requested which is frustrating because they can see everything I asked for and they know they did not provide me what I asked for which is not hard. 

During the time that my account was supposed to be in a cease and desist status, they had reported to the ( CPA ) my account missed a payment which is a violation according to consumer laws and I am looking into some legal advice about that as well. 

It saddens me that this a professional corporation and yet they failed to provide me with the proper documentation which they have access to this is causing me to stress even my dmv paperwork was signed by someone else other than me. 


I also have a right to privacy I never was giving a notice from capital one auto finance to share my personal information with a third party no-affiliated which is the CPAs Consumer credit transaction by law shall be private, and I have the right to privacy as per 15 usc 1681 ( a ) ( 4 ) please have CPA remove immediately I never gave my consent and no one has sat down with me and explained to me clearly and conspicuously I had that options which is very misleading and deceptive.
Product: Bank account or service

On XXXX XXXX, 2016, I made a mistake by transferring {$100.00} from my checking account to my savings with TD Bank but what I was trying to do was to transfer {$100.00} to my checking from my savings account. I saw that mistake and fix it, two days later I saw that the transfer did n't go trough and I tried again and moved another {$100.00} from my savings to my checking account. I called the bank 's customer service to fix this problem and what I was told that there is nothing I can do or they can do because my mistake and now {$200.00} are gone from my accounts without making a purchase or without withdrawn the money from my it. I try to explain the situation but is that there is not help and that money went free to the bank, and I 'm now screwed out of {$200.00}, and the bank just made that profit.
Product: Student loan

I have XXXX tuition answer loans originally through XXXX XXXX and now through Navient. According to phone conversations with Navient ( XXXX XX/XX/XXXX, XX/XX/XXXX ), my loans should still be in an in school deferment. However, for some reason Navient has me dropping out of school in XX/XX/XXXX. Both customer service representatives that I have spoken with have looked through my promissory note and have assured me that as long as I do not drop below half time for 180 days, my tuition answer loans should remain in deferment. The first customer service representative I spoke with put through the paperwork. Navient denied my deferment, even after I was assured that my loans should still be deferred while I am in school. When I called the XXXX representative to ask why my application was denied, the customer service representative was unsure why my application was rejected other then possibly telling me that the document that Navient has from the XXXX XXXX XXXX could be " confusing ''. This same document was used by the first customer service representative to work with me to complete the application to defer my loans. I was told by both representatives that if I had dropped below half time for a period of greater than 180 days, I would have been able to have an in school deferment for 48 months ( which just ran out ). However, as the XXXX XXXX XXXX shows, I have not been attended school less than half time for more than 180 days. 

When I asked the XXXX customer service representative if I would be able to speak with the department that denied my application, I was told that they wo n't speak to me because if they spoke with borrowers they would never get anything done. I understand this, however, the customer service representatives do not have any idea why this department denied the application. 

I would like to speak with the person who is actually making the decision regarding the deferment instead of hearing a bunch of " maybe this is the reasons ''. 

I am trying to be proactive regarding my loans, however it seems like Navient would rather have me give up. I have also explained to the customer service representatives that I would not be able to afford the full payment until I was done with my graduate work. I was basically told " let the loan default and then you can work with the collections department, they may have additional programs ''. 

The school that the loan was taking out -- & gt ; XXXX, XXXX, XXXX school that I am enrolled in for my XXXX degree -- & gt ; XXXX, XXXX, Delaware
Product: Credit card or prepaid card

ho may concerns this is happen onXX/XX/2019 i had made a reservation online through XXXX dated for XX/XX/2019 i purchased two tickets withXX/XX/XXXX for my parents coming from XX/XX/XXXX to XX/XX/XXXX ca the layover on both ticket were only 3:05hrs and than all of the sudden after purchasing  both tickets i got an email from XX/XX/XXXX saysXX/XX/XXXX change the layover to 13hrs instead of 3:05hrs so i called XX/XX/XXXX to ask them what happend i got the answer back those changes were made from XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX only third party i was on the phone with XX/XX/XXXX for about 4hrs trying to find a solution after going back and forth i request a refund for my transaction i was told from XX/XX/XXXX representative they are unable to refund the transaction they have to reach out to XX/XX/XXXXXX/XX/XXXXwhich they did and XXXX  airline refused to reverse the transaction so i went and called my credit card merchant services XX/XX/2019 i requested dispute i got the transaction refunded and i went and reserved another ticket through XXXX  XXXX dated onXX/XX/2019 so my parents did not  traveled on XX/XX/2019 with XXXX   XXXX  they went on XXXX XXXX instead after that i received a letter from my merchant services on XX/XX/2019 says that i need respond on by XX/XX/2019 and send the evidence of what happens which i did mail it back XXXX and i wrote statement stated the whole situation and a copy of both tickets as an evidence that my parents did not travel with XXXX XXXX merchant services they mailed me back a letter saying they are unable resolve this matter and they wont be able to reopen the case anymore because their claiming that they received the evidence very late which is not my fault iv got late respond from them now if i disputed the transaction because it's  my right i spoke with XXXX   bank of america representative she mentioned to me no body worked on my case i got charge back and i don't see it right i really need your help please immediately because i tried to reach back to bank of america merchant services they keep me on hold for a long time till the line hangs up by it self my case number XXXX sincerelyXXXX XXXX
Product: Vehicle loan or lease

I was contacted on XX/XX/XXXX by XXXX XXXX XXXX stating that I did not make my XX/XX/XXXXpayment. I verified with my bank that my payment ( submitted through my bill pay ) was sent to XXXX and the check was cashed. XXXX shows record of a payment of XXXX on XX/XX/XXXX. This is the amount I sent. But XXXX says this was a warranty payment and was applied only to my principal, not to my monthly payment. In Later conversations, XXXX accused me of missing a payment inXX/XX/XXXX, then went back to stating my payment was misapplied. After 2 weeks and several phone calls I submitted a bank statement to them showing that the {$350.00} was drafted from my account. Collections continues to harass me almost daily. Now I have not made my XX/XX/XXXX payment yet because I cant trust that they will properly apply my payment and I have received no reassurance from XXXX that they will resolve my issue. I have told them I am withholding my XX/XX/XXXX payment until this issue is resolved. I fear that this will affect my credit. I have asked on multiple occasions to speak to a supervisor only to have the call dropped or get no additional assistance. They have a policy that customer service cant speak with people if their account is past due but how am I supposed to resolve this if I cant speak to them? I have doesnt countless hours now trying to resolve and issue I had no hand in creating. All I did was make my payment on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Bureau shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXXXXXX BANK XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that XXXX XXXX XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written permission. 

I haven't given this account written permission to furnish this account on my credit report.
Product: Credit card

Wells Fargo Credit Card was Paid off. It shows {$0.00} balance but it's listed as charged off instead of paid off. Please show that account was paid in full and remove from my credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023 my American Express card was used to create unauthorized charges through AMEX Send and XXXX accounts. My AMEX card was accessed through my XXXX account which was hacked into. 

As a result a {$2000.00} charge was added to my account. When I noticed the charge I called American Express immediately. The AMEX agent took some time to investigate this charge and discussed it with their fraud team. He then informed me that this was a common scam that is being used and assured me that I will not be responsible for the charges. The agent then issued me a new card. The agent said that this incident would be investigated further and I would receive a letter in 30 days and then the {$2000.00} charge would be removed from my account. 

It's now been 2 months and I have not received any letter from American Express. Since I was told that Im not responsible for the {$2000.00} charge I did not pay it on my next bill and I incurred a {$34.00} interest charge as a result. 

I have called American Express three more times about this charge and investigation. Each time I called I was told I should be receiving the letter within days but I havent received it. In the mean time interest charges keep accruing on the account. When American Express finally closed the AMEX Send account I was only credited {$4.00} on my account leaving {$1900.00} + {$34.00} interest that I was told again Im not responsible for. 

I have an excellent credit rating and have been an American Express card holder for 20 years. I always paid my bill in full every month. Now my credit rating is probably affected by these charges. 

I am asking that American Express resolve this issue immediately and remove the following charges from my account. They have already indicated that Im not responsible for the charge so it should be removed immediately. 

Charges : {$2000.00} AMEX Send ( XX/XX/2023 ) XXXX {$4.00} Credit ( XX/XX/2023 ) Sub total {$1900.00} XXXX {$34.00} Interest ( XX/XX/2023 ) Total {$2000.00} I am also asking that American Express fix my credit report if it has been affected by this activity. 

Thank you.
Product: Debt collection

I learned of this debt by a credit reporting which resulted in my credit score plunging 20 points. American Profit Recovery is breaking the law by : a ) trying to extort payments by placing these alleged debts on my credit report without prior notification. 
b ) utilizing an address that has been invalid in excess of 4 years to send " notifications '', realizing that those " notifications '' were not accurate so that I could dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with the credit report and it has been well over 30 days. I have not received any investigation results.
Product: Debt collection

XXXX refused to cancel my service after I spoke with them back around XX/XX/2016 when my bill increased without being notified. I paid XXXX additional months at the increased billing then I stopped my credit card auto pay. My email requests to XXXX to cancel my service were never replied back. XX/XX/2016 I received early Termination and XXXX Non-return fee, rather this is more of an extortion payment demand {$140.00}. XX/XX/2016 I received a demand payment from 'Credence XXXX XXXX XXXX XXXX demanding {$150.00} for XXXX XXXX
Product: Credit card or prepaid card

Chase is in violation of Public Law 111-24 : it refuses to deliver my credit card statement at all, let alone on a timely basis. 
This is a follow up to my CFPB complaint submitted XX/XX/XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem when making payments. 
The issue has not been resolved. Company says it is " still working on it as of XX/XX/XXXX '' but the solution is simple : TAKE DOWN THE FIREWALL THAT PREVENTS ME FROM SEEING MY STATEMENTS ... i.e.  Chase is requiring that I provide additional " payment '' ( which has monetary value to them XXXX in order to sign in to my online-only access account. They want me to sign over the rights to paper statements on my other Chase accounts. 

I still can not see, now, 2 months of my transactions, and I am unable to ascertain if any fraudulent payments have been made by Chase to vendors. 

Chase is in violation of Public Law 111-24 is the Credit Card Accountability Responsibility and Disclosure Act of 2009. This law requires that " statements must be mailed or delivered to the consumer at least 21 days before the due date. '' CHASE REFUSES to give me my credit card statement or bill, which also limits my ability to exercise other rights under this law.