23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX Called Arstrat ( Collection Department of XXXX XXXX XXXX and made {$300.00} debit card payment taken by XXXX. Confirmation # XXXX, cleared by financial institution XX/XX/XXXX. 
XX/XX/XXXX Called to pay off remaining balance, spoke to XXXX at XXXX MST,  stated unable to locate payment from XX/XX/XXXX. Stated she would have her supervision, XXXX XXXX, look into it and return my call. Provided payment confirmation number and my contact number. Advised to leave voicemail if no answer. Call never returned. 
XX/XX/XXXX Called Arstrat and spoke to XXXX at XXXX MST, stated that after speaking to supervisor my payment was incorrectly applied to someone elses account and that my account would be credited within 72 hours. My account was not credited. 
XX/XX/XXXX No statement received from Arstrat. 
XX/XX/XXXX No statement received from Arstrat. 
XX/XX/XXXX Called XXXX XXXX ( Arstrats sister company ) to see if they could help since Arstrat hasnt been able to rectify situation, spoke to XXXX at XXXX MST, transferred time Central Billing office ( another department of XXXX XXXX and Arstrat ), spoke to XXXX  at XXXX MST, stated payment posting team would look into it once I faxed copy of bank statement reflecting payment to Arstrat. Referenced account number my XXXX and faxed to XXXX. 
XX/XX/XXXX Called XXXX XXXX, spoke to XXXX at XXXX MST, stated located fax received and in system, stated payment not yet posted to my account, advised there was new system and that likely was the issue with my payment not reflecting, stated would return my call with update today after sending email to supervisor, XXXX , about my payment having been credited erroneously to another account. XXXX returned call that day but had no update. 
XX/XX/XXXX Called XXXX to see if they could find resolution, spoke to XXXX at XXXX MST, advised account was on hold while payment was being researched by a supervisor. 
XX/XX/XXXX Called XXXX, spoke to XXXX, stated account still on hold and {$300.00} payment not yet posted, stated XXXX XXXX ( another Arstrat entity ) took payment on XX/XX/XXXX, advised him Ive never heard of XXXX XXXX and that statements never have had that company name on them, XXXX provided number to XXXX XXXX. 
XX/XX/XXXX Called XXXX XXXX, spoke to XXXX, stated payment not credited to account yet. 
XX/XX/XXXX Called Arstrat, spoke to XXXX who stated payment for {$300.00} not posted to account but to call back 10 business days as other customer who was erroneously credited needed to be notified. 
XX/XX/XXXX Called Arstrat and spoke to XXXX at XXXX MST,  stated contacted supervisor about my account but XX/XX/XXXX payment for {$300.00} not yet credited to my account, stated update by tomorrow, advised I had filed a XXXX complaint and AG complaint in XXXX and XXXX and no response from Arstrat about my account not being credited the {$300.00} payment made. Advised her its nearly 5 months since this and still no resolution. This is unacceptable to not credit my account in 5 months.
Product: Student loan

My loan repayment terms had changed based on my requesting and having been approved for a forbearance on the loan. The first month of my forbearance repayment period was subsequently erroneously recorded on my record ( and thus on my credit report ) as having been a late payment- this was incorrect. I called the loan company who then corrected this on their own records but this error continues to be negatively effecting my credit and remains on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Product: Student loan

I was diagnosed with XXXX on XX/XX/2017. 

I signed up for auto payments through Nelnet thinking that would take one thing off of my plate to think about during my XXXX treatments. 

Now that I have completed my active treatment, I am looking at my statements and even though I have been paying roughly {$330.00} each month, my loans have not changed at all. 

What it looks like happened is that Nelnet chose where to allot my payments so that my highest interest rate was receiving smaller payments than my lower interest rate loan. And it changed monthly which makes it so that I will stay in debt forever paying off the interest. 

When I call to speak with Nelnet customer service, they essentially say that this is the way it is set up. Then, the representative describes the % .25 discount that I am getting with XXXX. The company more than makes that up with the strategic placement of my monthly payments. 
And on top of all this, they are still making {$4.00} on me daily. And that number grows based off what my interest balance is. They are constantly making money off of people who think they are trying to pay back their loans. 

This is so disturbing that a company takes advantage of people in this way. I have gone through XXXX fighting XXXX and paying off doctor bills because of that. And now I have paid {$8000.00} towards my loans over the past 2 years and my loans have not been affected. 

That's literally the cost of life or death. The cost of XXXX XXXX. How is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit repair company had opened an unauthorized account with " XXXX XXXX XXXXXXXX XXXX XXXX '' on my behalf. I contacted XXXX XXXX on or around XX/XX/2021 advising them that the account was unauthorized. XXXX XXXX agreed and confirmed that they had sent requests to all three credit bureaus to have the account removed from my credit report. XXXX and XXXX removed the account without issue in 2021. Experian is the only bureau still falsely reporting the account as accurate. Experian is acting maliciously and willfully/negligently violating the FCRA by refusing requests to have the account removed by both myself and the company/creditor. Experian is pretending to investigate the matter ; they are blatantly lying and maliciously damaging my credit report. Experian must be sanctioned and penalties must be imposed as compensation, and injunctive relief to cease reporting of the account must be ordered.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/1998 Balance : {$4100.00}. Please delete.
Product: Credit card or prepaid card

Old Navy debited my bank account twice for one payment ... i have no idea how the first transaction happened as it was several days before i actually made the payment ... fortunately the money was available! I called and they do not offer a credit immediately but will send a check within 10 days! It is not my fault they took my money twice ... .i want an immediate credit to my bank account. Customer service rep said they do not have the ability to credit a bank account for their mistake ... only a check or store credit. I think a huge company such as old navy should have that ability.
Product: Credit card

I received a 0 % interest promotion with Best Buy for 18 months. It was explained to me that after 18 months, if the balance was not paid off I would start paying interest. It sounded like any normal credit card to me. It was NOT made clear that the interest would be charged on the entire original purchase at the end of 18 months. As such, I had gotten my balance from almost $ XXXX down to {$170.00} by the end of the XXXX month, and as it was XXXX time, I decided to pay the remaining balance off next month, as I had other purchases to make for the holidays ( in other stores ). I did not think it would be a big deal to wait to pay the last amount next month. Next thing I know I get hit with an interest charge just over {$400.00} on my Best Buy Card. They had sent out a notice before the final payment stating they were going to charge me interest, but did n't state how much or explain that it was interest on the entire original purchase. I had only made that XXXX purchase on the best buy card. I had not been delinquent in my payments in any way. What is the worst part is that I could have paid off the remaining {$170.00} at the time, but I was unaware of the severity of the impending interest charge, and chose to make other things a priority. Had I known I would not be in this situation.
Product: Checking or savings account

Bank of America has been charging me {$8.00} fees for a Savings Account - Advantage Savings - XXXX. Fees started to appear as of XX/XX/XXXX even though this account has been open since XXXX. 

When this account was opened in XXXX with another Checking account at the same time, I was advised that " as long as there is monthly auto reoccurring transfer from the Checking account to the Savings account, there will be no banking fees added to the Saving 's account. While the monthly auto reoccurring transfer is set up and has been completed every month since XXXX, I was advised today that they made a change to how their fees now work without my consent. This is clearly misleading. 

I have requested a refund for the fees added by Bank of America, as I did not accept their new terms. They claimed they can only refund 2 of the 4 fees made on the account.
Product: Credit card or prepaid card

This credit card was sent to me without me applying for it while I was unemployed. Now I am unemployed again and not receiving unemployment so I dont believe I should have to pay for it since it was illegally taken out.
Product: Student loan

My loan is over 20 years old. I XXXX in XXXX. I have since paid over XXXX with my graduate school loans and have paid the majority of my XXXX loan with Nelnet. I XXXX XXXX XXXX in the XXXX XXXX from XXXX and then again in XXXX. I have tried calling and working with people but I am always denied. 


I do not think I should have to pay the remaining XXXX dollars. I have been paying on loans for over 20 years. I have paid off 2 out of the three loans I started. This in my only remaining debt. I have friends who were absolved of debt that was much larger than mine with less time. I have heard that after 20 years, I was supposed to get a letter. I have never got that letter. I am under suspicion that Nelnet is not legit because they are saying that it is impossible for me to get the remaining balance forgiven.
Product: Checking or savings account

XX/XX/ I RECEIVED NOTIFICATION VIA EMAIL THAT A DEPOSIT DECLINED PER INCORRECT PIN. XX/XX/XXXX LOSS PREVENTION CALLED ASKED IF I WAS THE OWNER OF THE ACCOUNT I REPLIED YES. SHE GOES TO TELL ME THAT THE CHECK WAS FOR XXXX WAS ALTERED. AND HOW MANY ACCOUNT DID I HAVE WITH WELLS FARGO THAT THEY WILL BE SHUT TO TILL I CALLED FRAUD DEPARTMENT OR GO INTO A BRANCH AND I DECIDED TO GO INTO THE BRANCH. 
I EXPLAINED WHAT WAS GOING ON. I PROVIDED MY ID SHE SHUT CARDS DOWN AND ORDERED NEW CARDS I WAS TOLD THAT I WOULD HAVE TO HAVE AN APPOINTMENT TO GET ANY CASH. I CALLED LOSS PREVENTION TALKED TO DEPARTMENT AFTER DEPARTMENT ALL I WAS TOLD THAT THE ACCOUNTS WILL BE CLOSED ON XX/XX/XXXX, AND WHERE WAS MY CARD I EXPLAINED ITS NOT HERE IT BEEN STOLEN. OMG!!! PRESS CHARGES THEN TOLD THAT WAS ANOTHER DEPARTMENT. SPOKE TO INVESTIGATOR F. WHO TOLD ME TO GET POLICE REPORT SENT COPY OF THE CHECK. FILED POLICE REPORT TRIED TO GET INVESTIGATOR BACK COULD NOT REACH HER. XXXX I HAD HAD TO WAIT ANOTHER DAY TO GET ANY FUNDS THE WAIT XXXX ADDITIOAL TO GET FUND. I ASKED THE BANKER AM I BEING PLACED ON SOME TYPE OF LIST FROM OPENING ANOTHER ACCOUNT, SHE STATED NO. WENT TO XXXX XXXX TO OPEN ACCOUNT GAVE HIM XXXX CASH AND THEN HE INFORMS ME THAT XXXX  XXXX XXXX XXXX MAY NOT APPROVE YOUR ACCOUNT. THE NEXT DAY THE ACCOUNT WAS NOT HONORED AND THEY WOULD NOT GIVE ME MY MONEY SAYING FRAUD MAY BE IN PLAY. AFTER CONTACTING XXXX WELLS FARGO HAS LABELED MY FRAUDELUENT, TO DATE WELL FARGO HAS NOT PROVIDED ANY PROOF THAT I DID ANY SUCH ACTION OR PARTICIPATED IN SUCH. I HAVE BUILD A XXXX RELATIONSHIP WITH THIS BANK AND THIS IS NOT THE FIRST TIME THE BANK WAS IN THE WRONG I HAD AN ISSUE BEFORE WHERE THEY TRIED TO SAY I ALTERED A CHECK AND THEY DIDINT LOOK AT THE DATE ON THE CHECK AND WITHHELD FUNDS. NOW TO LABEL ME A THIEF AND HURT MY BUSINESS REPUTATION IS TOTALLY WRONG. THIS IS STILL ON GOING
Product: Vehicle loan or lease

I have been off from work since XX/XX/XXXX due to covid 19 I contacted my finance company bridgecrest to shut down my auto pay I had set up because I knew I wasnt getting anymore checks from my job and I had to file for unemployment the day before I called them they had just taken a payment my payment is due every two weeks I explained to the lady that I didnt have an exact date that I could make a payment because I had to wait for unemployment to start up she said ok 3 days later I receive a call asking me did I come up with the money or date I can pay even when the account was not even pass due yet. There after I have received a call from this company everyday harassing me about a payment I finally just received my unemployment this week I made a payment so Im 1 payment behind they called 3 times in one day pressuring me to make another payment. This company has no empathy for whats going on in this world they are bullies who are stressing people out more than they already are by calling them multiple times per day demanding payments that some of us just cant make at this time. They even threatened repossession on a few people and I think it is ridiculous and they should be stopped i have enough stress right trying to pay rent and all my other bills and they act as if they are the only important bill that needs to be paid no sympathy at all their agents are rude and absurd.
Product: Mortgage

In XXXX of XXXX I lost my husband of 40 years from complications of XXXX. I therefore, lost his income. Since then, I have tried everything to save my home, from modifications, to reverse mortgages. I have been in this home since XXXX and have survived two bouts of XXXX and raised my son here. My husband and I put a lot of blood, sweat, and tears into our home and I really want to keep it. I am permanently XXXX and on a fixed income. 

I have an Aunt that has her loan with Select Portfolio Servicing, and she is also permanently XXXX. She was able to get her loan modifed so that she could stay in the home. They looked at her and her husband 's income and reduced her mortgage. Her name is XXXX XXXX. They were able to reduce her mortgage, tax and insurance to {$1200.00} a month. They then put the balance on the backend of the loan. Her mortgage was over XXXX. 

I mentioned this to them on several occassions and included this on my modification application. I have applied twice for a modification and was denied both times. This is a terrible way to treat a XXXX person. 

When I spoke with them yesterday, they just informed me that my foreberance had ended on XX/XX/XXXX and that I need to pay the past due amount of {$16000.00} on XX/XX/XXXX. There was no notice given. A consumer should have at least 90 days notice so they can plan their next steps. This was unconscionable. 

When I asked if there was an option for me to apply for another modification, they said no. I asked if I could get a deferral of the past due and they replied no. They said my only options where to pay the past due amount or sell. They were not sympathetic to my plight. 

Here is their contact information : Select Portfolio Servicing, XXXX and my loan number is XXXX. 

Please help me save my home. Now is not the time to sell with the market prices down and the interest rates so high. I need your help. I look forward to hearing from you. God bless you. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent an affidavit DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD.

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$6000.00}, {$3100.00}, {$1200.00}, {$1100.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is reporting late as reported in my 3 Credit Bureaus. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Experian Credit Bureau and is being sent to the XXXX XXXX XXXX along with the Consumer Financial Protection Bureau. 
Now, Experian has a TV ad which has been playing on the Television ( TV ) during the month of XXXX, 2019. Experian is offering a free credit boost to all consumers which does not state any requirements. Then, on XX/XX/2019, I went onto Experian.com/boost, onto my Experian account and tried to get a free credit boost as it was advertised on TV. When I got onto my Experian account, Experian requested my private information such as utility bills payments and bank account information which violates consumer privacy rights! Please see exhibit 1, 2 and 3. Per state laws, when companies advertise, they are required by law to honor there advertisement! Nevada law, NRS 207.175 states ; making any false or misleading statements through TV, radio, publications, websites or in person is a violation. Now, how can consumers know if Experian will lawfully/unlawfully use consumer bank information? Experian has clearly violated consumer rights, falsely stated that this credit boost was for free and requesting information on consumers which Experian does not have the right to have and the information that Experian is requesting does not pertain to credit purposes! Banking information along with utility bills are not required for credit purchases. Experian does not have the right to have bank information along with utility bills on consumers. Experian must be held accountable for their actions including but not limited to the following ; fines being imposed, provide free credit boost as advertised without any requirements, loss of business license, criminal charges filed, lawsuit, compensation to victims.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( 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 XXXX XXXX before the payment due date.
Product: Money transfer, virtual currency, or money service

On 2 occasions Chase Bank allowed fraudulent charges from my account. I protested the charges sent from an unknown person / company via an XXXX account. I have never even heard of what an XXXX account was/ is as I told the officer at Chase Bank. On my first attempt approx XX/XX/year> to challenge these charges, Chase denied my challenge and said I gave this individual permission. On my second attempt approx XX/XX/year>, I went to the Chase branch to protest in person and asked to have the investigation reopened. They did and denied me again. I asked for proof of me agreeing to the use of the XXXX app and they could not provide anything showing that I agreed to the use / terms of this service. I also have proof that this same individual had made numerous attempts to make charges with this XXXX account before and after my complaint to Chase but was denied by Chase as fraudulent. However, they were successful 2 times. One for {$750.00} and another for {$1200.00}. To date Chase has refused to reimburse me for these costs. I am not real comfortable as to the Chase Bank 's institutions effort in helping me to recover my funds. I would like to file a complaint against the Chase Bank. As of this writing, I am in the process of leaving Chase Bank. In my opinion they are the ones enabling this fraud!!