23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I applied for the Income Driven Repayment Plan of REPAYE through the XXXX website. This was approved in XX/XX/XXXX. However, at some point I was transferred over to MOHELA as my loan servicer. They have had me listed in the XXXX plan, which is the incorrect repayment plan. I messaged them about this in XX/XX/XXXX and they never got back to me. I have now called 3 times over the last 2 months with repayment starting ( and waited on the phone for at least 2 hours each time ) and they are not able to tell me why I am on the wrong plan and say I need to recertify my income and reapply for the plan, which I have done over the phone most recently on XX/XX/XXXX. They now are saying itll be 90 days before that application can be approved. I was previously on XXXX with payments around {$350.00}, however when I checked my account today, I was switched off an income based plan and placed in standard level repayment with a payment of close to {$3000.00}. They have auto debit on my account, so I am afraid they are just going to take a {$3000.00} payment out of my account, when my payment on the correct plan I was originally approved for should be around {$200.00}. It is impossible to get ahold of MOHELA on the phone with the wait times, and their solution is to simply keep recertifying.
Product: Debt collection

On XX/XX/XXXX, after a long illness, I pulled my credit reports and learned of a pending educational fee of {$3100.00} due to XXXX XXXX XXXX. I telephoned XXXX XXXX XXXX XXXX to confirm the pending amount. I was informed the account was referred to NCM Associates for collection. XXXX XXXX XXXX noted if Im paying the entire amount I could pay online using their bill pay system XXXX. XXXX further stated if Im trying to settle the amount then I must speak with NCM Associates, the debt collection agency. On XX/XX/XXXX, I paid the entire {$3100.00} directly to XXXX via XXXX. On XX/XX/XXXX, the amount cleared my XXXX XXXX XXXX XXXX XXXX Acct, and at XXXX XXXX XXXX XXXX confirmed the payment had cleared and that the debt collection agency, NCM were notified there is no outstanding debt. I immediately telephoned NCM shortly after to confirm XXXX balance. NCM confirm there is nothing to collect. However, NCM has continued to report status of the account erroneously, noting a balance is standing of {$3100.00}, and no payments have been made. XXXX or NCM will provide a statement or letter stating the debt is paid. Both points to the other. On XX/XX/XXXX, NCM noted I didnt make the payment to them, but to XXXX, so they will not send confirmation there is no balance, but continue to report the incorrect information to all three credit agencies when this issue is disputed. As of XX/XX/XXXX, XXXX, XXXX and XXXX have all reached out to NCM, who have confirmed a standing balance of {$3100.00}, no payments made. XXXX noted it may take 60 days to update, but XXXX account reflects XXXX balance. Im concerned because Im on XXXX and I need housing. The bad reporting of this debt is created a poor credit score, and is reporting incorrectly and I have tried every way possible. I uploaded confirmation documents to XXXX and was informed its not good enough to correct my credit report. Im reaching out to you as a last effort to request NCM to correctly report the status of this account. On XX/XX/XXXX, NCM provided reference number XXXX for the account. I called XXXX  directly with the reference information, but XXXX reports NCM confirmed a balance of {$3100.00} on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Trans Union continues to report inaccurate information in regards to XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. These accounts contain wrong information such as dates of delinquency and personal information as well as wrong account numbers.
Product: Checking or savings account

I have been a checking customer of this bank since the mid XXXX  '' s. I opened a savings account 2 or 3 years ago. when i opened this account i had asked that they ensure i would be able to make withdrawals via my atm card and that they send me deposit tickets. Last month when i was traveling I tried to make an ATM withdrawal and could not. Today when i tried to transfer {$500.00} from my checking account to may savings account there system kept tell me i had an invalid account number. You should note i was using the account number that they printed on my statement. please order them to correct both of these issues today and to also send me deposit tickets. when i call them they refuse to assist because i refuse to give my entire social security number out via an unsecured telephone line nor am i able to give my drivers lic out while i am driving.
Product: Debt collection

I paid off Conns XX/XX/2020. After that in XXXX my wife and I started the process to build our dream home. In that process we found out Conns was still open. We then provided our builder the receipts showing we paid Conns then in XX/XX/2020 I received a call from Conns indicating they were attempting to collect a debt. I informed them that the account was paid in XXXX. After being on hold they realized it was and they will make a note. Two days later I received a call again this time Conns collections put a ticket for the issue to be resolved and it would not affect my credit. Well inXX/XX/2020 30 days before closing we being the closing process and Conns is showing I have a past due balance of {$600.00}. I called Conns and again they apologize and will put a ticket. Well every week I have had to call because my loan officer wants a letter from Conns indicating the account is paid in full or that the account has a XXXX  balance. Each time I call they say they cant do that but they will send the request to corporate so they can provide something in writing and I should receive it within 24hrs. Fast forward my wife and I are unable to close on our house and this is the second time my closing date will be pushed because of Conns in capability to provide us a letter even though they acknowledge that our account is paid off. In addition my credit score dropped 95 points because Conns put me in collections. I have had a XXXX  since Thursday XX/XX/2020 to move and now I am paying over {$500.00} to have this XXXX  and I still havent closed on my house. I called Conns again today XX/XX/2020 because I was supposed to close today and they indicated that they were sorry but the only thing they can do is send another request and open another ticket to get the issue resolved. We are going over 6 months since this account has been paid off and nothing has been done but ruin my credit and stopped my family and I from moving into our dream home.
Product: Debt collection

On XX/XX/2023 I was alerted by my XXXX app that an open collections had been placed on my credit report by Amsher XXXX Collections on behalf of XXXX for {$400.00}. I was alarmed because I have never done business with XXXX ever in my life. I immediately checked my credit report for other fraudulent activity, but found none. I then disputed the collections with all three of the credit bureaus, but found Amsher later supposedly verified the information, which is again false. Amsher sent me the bill from XXXX that they were basing their information on, and I found it was from and address that I haven't lived at for over 10+ years. Amsher sent me a form for identity theft and instructed me to complete it and sent to XXXX, but again they never verified that I opened the account with a SSN #, signed document, store that they were purchased at..nothing, because again it was not me. I contacted XXXX directly and created a case with them ( case # XXXX ), but have yet to hear anything back from them. I have emailed Amsher several times asking to speak to a XXXX to have this fraudulent collections removed, but have not heard anything back. After looking up online what should I do, I found that many other consumers have had the exact issues with both XXXX and Amsher Collections. When I contacted XXXX, they could not verify the XXXX # that the phones were purchased with, and there was no hit on my credit reports ( hard or soft hit ) on my credit report for XXXX. It appears that Amsher found the matching name and previous address on my credit reports and simply applied the collections to my credit report with any due diligence on their part. I am very frustrated as this has cost me both time and money to get something off my credit report that should have never been put on there in the first place.
Product: Mortgage

I am writing about account number ending in XXXX at Bank of America , N.A . 
Bank of America has made repeated errors since XXXX. I have made numerous calls to request them to fix the problem, but the problems persisted. I am specifically referring to case # XXXX, case # XXXX, case # XXXX and case # XXXX. 

On XX/XX/2023, I sent a letter to completely explain the amounts paid and my estimate of their error in the amount of approximately {$540.00}. I had made the following extra payments which should have been applied to the principal : XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX on XX/XX/2023, and XXXX on XX/XX/2023 Because they failed to follow my repeated instructions, I sent another letter XX/XX/2023 explaining the following extra payments should be applied to the principal : XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX on XX/XX/2023, and XXXX on XX/XX/2023 According to their own policy : If you don't contact us or we don't receive written instructions from you, and you attempt to prepay more than one periodic payment, we will apply those payments to the principal balance of the loan. '' Thus they failed to follow their own policy repeatedly. First they should have applied as stated since they received the extra payments without instructions. They failed again after making calls to declare that those payments should have been applied to principal. They have failed to respond to either of my letters. 

The matter remains unresolved and I need assistance and advise to seek my rights as I feel I have had to spend too much of my valuable time reporting the bank 's errors in violation of their own policies and am concerned what other errors the bank is not handling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not update my credit report after several attempts with the company. Its been 6 months without a change. 

Its missing 2 credit card account that makes the majority of my credit age and number of accounts with corresponding to about 33 % of the itens that compose the credit factors. 

The difference from their credit report compare to XXXX and XXXX is about XXXX points. 

All credit card companies mentioned report to Equifax on a monthly bases. 

Its been known by the public that the company is having problems this year with their system and affecting millions of people. I am one of them. Please fix my credit report immediately.
Product: Debt collection

I was a victim of identity theft and 10 different accounts were opened in name with XXXX 2 years ago. I contacted XXXX back then and they acknowledged this and wrote me a letter promising they will take care of this and remove all negative reports. However, I keep on getting various calls from different credit agencies for the same accounts stating that I owe. I have contacted XXXX and they state that the accounts it is not in their system at and they do not see where it was in the first place. Despite the fact that they have written me a letter with their company letterhead apologising and i have called the credit bureau to remove it they state that XXXX has to contact them with the letter. I have contacted XXXX about this sent them faxes and email they are stating that it takes 10 days to read my letter. Very unprofessional and lousy attitude towards solving my problem having sold the account. They are not in a hurry to remove it and even though they promised to 2 years ago. Everytime the collection comes up in my account it dings my account 30 points. Please save me from these draconian monsters.
Product: Checking or savings account

After dealing with TD Bank over this issue I did some research and discovered they tried a similar game last year. 

We are am existing business checking customer with TD. TD suggested we open 2 additional FREE checking accounts. 

We opened the accounts and got charged a {$13.00} maintenance fee and a {$3.00} paper statement fee. 
We were told explicitly the accounts were free. We were even opted out of paper statements on our existing account. 

TD opened these new accounts and automatically began charging us for paper statements without giving us the option to choose. This is some predatory nonsense. 

We contacted our local branch a week ago and they are still working on it. 
After reading about situation with TD misrepresentation if fees in 2020 I realized this is a similar gambit. 
Banks are out of their mind for pulling these tricks in modern times. We're not going to stand for it.
Product: Debt collection

On XXXX complaint XXXX I filed a complaint with the cfpb about endpoint how they called and spoke to my brother and daughter. In their response dated XXXX the same response they gave the bbb they would stop trying to contact with me. NOT only have they not stopped they are now contacting my ex wife on her house phone and her husband on his work phone. I have been divorced for 26 years. I will be filing a lawsuit if this does not stopped. They put in writing they would stop and they have not! They are in violation of the FDCPA.
Product: Mortgage

My complaint is against BBVA Bank in XXXX, AL. 

There was an error/type o in my XXXX mortgage payment. My bill pay sent {$830.00} instead of my regular payment of {$830.00}. ( XXXX cents short ) BBVA rec this payment on XX/XX/2020 but did not apply it because it was short. They should of called me ASAP. They waited 2 weeks to contact me about this. BBVA waited till it was 15 days late so they could hit me with a late charge and they did. {$30.00} Why did they hold my payment almost 3 weeks then hit me with a late charge? They could clearly see it was an error or type. I sent them {$830.00}, it was XXXX cents short, really???????? 

I was contacted on XX/XX/2020 for the first time. They should of contacted me on XX/XX/2020 when they rec my payment. They saw it was XXXX cents short but waited 2 weeks to contact me? You know why, to charge a late fee! 

The collections rep that called on XX/XX/2020 even said the late fee would be waived since it was an error. But now BBVA has stated in a message online the late fee stands. This is total XXXX and a UDAAP volition. I am never late. I have a very high credit score. XXXX I work at a XXXX. BBVA could of called me the first week and got this cleared up. No, they decided to hold the payment then hit me with a late fee. I want this late fee removed! The is Unfair, deceptive and abusive practices.
Product: Debt collection

Response to company Company 's Response According to the records of the original creditor, XXXX  XXXX XXXX, the consumer/patient had a {$1500.00} deductible to meet under his insurance with XXXX, that was NOT met at the time the charges were incurred. Also, the verbiage used by the consumer in his complaint indicates he believes we have purchased the debt in question. We are NOT a debt buyer and do not own the debt in question. We are a collection agency acting on behalf of XXXX XXXX XXXX only. 

The deductible was meet three time over. XXXX was preformed along with multiplied office visits, XXXX, XXXX and XXXX. The XXXX alone totaled over {$20000.00}. In your first response you stated you were never paid. Information was provided from the insurance company showing that a payment was made for the date in question. now your stating WHAT. Please provide the original billing information along with information that you are stating you received from the insurance company. I believe that that there some kind of mix up with billing. Proof was providing showing that the payment was received after you originally stated that no payment was received. I am maintaining careful records of my communication with you for the purpose of filing a complaint. I will be contacting the Consumer Financial Protection Bureau and the Attorney General Office to seek further assistance and filing a complainant against your company.
Product: Credit card or prepaid card

I have a couple unauthorized charged from XXXX I do not have a XXXX account you can verify that with XXXX I filed a dispute with Chime XXXX on XX/XX/XXXX by XXXX they claimed they investigated and denied a claim I was told is gon na take 90 days I don't know how you can investigate and complete fraud claim in 2 to 3 hours
Product: Payday loan, title loan, or personal loan

PNC creates barriers against small borrowers and crafts non IRS interpretations as part of its program to prefer large borrowers. It had no specialized access during the Biden expansion. Requires small borrowers to use expensive processes and accounts. Limits access when it claims it is seeking information by closing its portal.
Product: Money transfer, virtual currency, or money service

Hello, Verizon owes me over {$3400.00} due to months of double billing which began in XXXX XXXX XXXXXXXX. I've tried everything. I've repeatedly called Verizon and Synchrony ( Verizon 's credit card ) to no avail. 

I visited the XXXX store in person to no avail. 

I provided written proof of the overcharges via my bank statements to no avail. 

My bank issued stop payments, but the ACH withdrawals continue. 

Per my bankers recommendation, we closed the account, but the ACH w/d continued. 

On XX/XX/XXXX I switched to XXXX and on XX/XX/XXXX, Verizon w/d from my account. 

As of this date, no one from Verizon or Synchrony has responded... they just keep taking money from my account. Please help asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I learned that Equifax 's databases had been hacked and my personal information was leaked to criminal parties. I was not informed by Equifax, instead I learned about the incident from news reports. Furthermore, Equifax did not disclose the hack for weeks allowing the criminal parties to use my information unseen. Equifax did nothing to inform me about the incident and nothing to help me protect my credit and my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to file a dispute with Experian regarding the age of the collections for XXXX XXXX XXXX and XXXX XXXX as my dispute was denied. The above mentioned accounts are old and have aged out of the reporting timeframe of 7 years allowed under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681.  You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Blacks Law Dictionary, 9th Edition, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX NO ACCT # UNVERIFIED ACCOUNT/NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.