23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received a call from a service rep from Student Loan Premier Solutions about a year and a half ago. They stated that my current loan lender, XXXX, was involved in a class action lawsuit and that I could enter their program as long as I qualified because that class action lawsuit would guarantee me lower payments with Student Loan Premier Solutions. I ended up " qualifying '' for their student loan forgiveness program after they asked me all of the qualification questions ( income level, how many dependents, employment info, etc. ).

They stated I had to pay {$200.00} a month for 6 months which was supposed to be the initiation entry fees and then every month after that my monthly payment would be {$40.00}. 
I had been paying that {$40.00} a month for 6 months or so now to the point where I stopped paying attention because it was an automatic withdrawal from my checking account. 

Then, within the last few months I started to get non-stop phone calls from XXXX  which made me wonder what was going on with the program I was involved in with Student Loan Premier Solutions. I had already been skeptical about Student Loan Premier Solutions since the beginning because anytime I'm dealing with paying big amounts of money to a business like that I just hoped it didn't turn out to be some kind of scam especially since student loan forgiveness is an area where alot of people are getting scammed. So I started doing some research online and come to find out, Student Loan Premier Solutions is now all of a sudden out of business without any notifications to any of their customers. People are now finding out and people are extremely upset including me. I want to sue for ALL the money I paid them which had to be around {$1500.00}! 

I want this complaint to go the highest federal agency because I want restitution. Student Loan Premier Solutions scammed me and countless other individuals and I want my money back. I really don't even know what to do about this situation but hopefully this first step I am taking to file this complaint pays off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit and found that Synovus/XXXX on XXXX XXXX had reported a 60 day late payment to credit bureaus after calling and requesting a explanation. Found out that double payments had been made assuming that they would be credited to the following month. That was not case, at that point was ask if we could pay {$61.00} now and that they could put the account in forbearance until XX/XX/XXXX. After numerous calls disputing the late payments being reported to credit bureaus. Which we where never asked to paid during the conversation and told that everything was find until XXXX. We assumed that late payments reported to the credit bureaus would be removed. During one of my calls with the collections Supervisor I was that the late payments started in XXXX of XXXX but where not reported to credit bureaus until XXXX of XXXX I believe as part of the Fair Credit Act it must be reported 100 % accurately across all the credit bureaus it must be deleted. Please remove all payments.
Product: Credit card or prepaid card

A staff attorney with The XXXX XXXX XXXX drafted a letter for me to send certified mail to Synchrony Bank/Venmo- making it the 3rd time I filed a dispute. We included all the documents from my XXXXXXXX XXXX checking account to prove {$680.00} was taken from my account, but Venmo still denies they received the payment. I stopped using the card and making payments in XXXX since it was useless. I normally pay my bill in full. Since then late fees and interest charges have been accumulating. 

They have damaged my XXXX and XXXX credit report. 

Here is a timeline of what happened. I have attachments to back it up : XX/XX/ {$680.00} was taken out of my XXXX XXXX account. 

This is what the app shows : XX/XX/ my account balance in the app was credited {$680.00} XX/XX/ my account balance in the was credited {$680.00} XX/XX/ my account balance in the app raised {$680.00} XX/XX/ my account balance in the app raised {$680.00} So all the transactions canceled each other out- the credits were canceled out by the charges. The charges and credits in the statements match those shown in the app. 

This is what is reflected in my Venmo statements : The Venmo statement named " XX/XX/ '' shows that {$680.00} was credited to my account on XX/XX/22 and XXXX. It also shows at the bottom of the charges that I was charged another {$680.00} on XXXX The Venmo statement named " XX/XX/ '' shows a charge of {$680.00} on XX/XX/. 

I filed a dispute twice which is why this happened twice. The dispute letters from Venmo say that they have no record of the transaction even though I sent them my bank statement and a trace number. The secure messages ask me to send attachments, but then the response says they can't accept attachments. After sending the certified letter Venmo opened and closed the dispute for the 3rd time not in my favor.
Product: Debt collection

I have been a victim of identity theft on XX/XX/2022 I received a letter in the mail from XXXX XXXX concerning an account I did not open with them. This letter says that I'm being held accountable for an account I did not open. This letter basically states that an email address that was used to open the account was mine. This is not accurate. During the investigation period, no contact with me was made and any attempts made by me to call XXXX have ended with them hanging up on me. When I filed a police report and an FTC identity theft affidavit and sent the complaint, XXXX sold this account to a collection agency immediately. I received notification this account was sold to CKS Financial who is now trying to collect a debt from me I do not owe. in violation of the FCRA. as well as the fair and accurate credit transactions act. I have filed a complaint with the office of the comptroller regarding XXXXXXXX XXXX  as well. I'm at the mercy of the CFPB to step in and enforce the laws intended to protect consumers from identity theft I have exhausted all available options I'm able to do myself.
Product: Debt collection

XX/XX/XXXX : Amount of {$1800.00} is sent from XXXX University to the Security Credit Systems , Inc . 
-Any letters sent to me in order to inform me of the debt were not received. 

XX/XX/XXXX : I dispute the amount of {$2400.00} with Security Credit Systems , IncXXXX on XXXX XXXX XXXX with XXXX, stating that the amount is incorrect and that the amount owed to Security Credit Systems , Inc. should actually be {$1800.00} and citing Section 808 ( 1 ) of the FDCPA.

-Section 808 ( 1 ) of the Fair Debt Collection Practices Act prohibits debt collectors from collecting any amount including any interest, fee, charge, or expense incidental to the principal obligation unless that amount is expressly authorized by the agreement creating the debt or permitted by law. 

XX/XX/XXXX : The dispute on XXXX XXXX XXXX is completed and ruled in the favor of the item Security Credit Systems. Reason cited is " I have no knowledge of this collection account. '' -Intuit XXXX XXXX results state that this disputed information was verified as accurate, and XXXX does not change my information. 

*XXXX  XXXX, XXXX : A letter verifying my account and debt in question with Security Credit Systems is sent to my current address. The lines read, in a bordered box in printed ink : Statement Total : {$1800.00} Pending Total : {$0.00} Overall Total : {$1800.00} Below this box is a handwritten note stating : Collection fee XXXX Total {$2400.00} -This " Collection fee '' of {$560.00} is the reason for said dispute. Any amount above the initial debt of {$1800.00} is a violation of said ruling in Section 808 ( 1 ) of the FDCPA.

*The letter in question is in 4 separate attached files of pictures where the letter is legible. The letter is dated XX/XX/XXXX as a lookup date for my collection info, but it is dated XX/XX/XXXX as the date sent at the top of the letter below the Header. The two middle pages of the letter may be out of order, so they are labeled as " Letter Page 2 or 3 '' and " Letter Page 3 or 2. ''
Product: Credit card

I had an account that was closed over 7 years ago and its still being reported on the credit agencies. 
Please have them remove it thank you
Product: Checking or savings account

I took part in promotion that Money Lion had called pave your wage. They will give you 17 percent of your first deposit into their investment account within 90s days as long as your other direct deposits are percent of the first deposit, you keep your account in good standing, and the promotion is good until XXXX XXXX dollar limit was exhausted I was told my multiple representatives that I qualified and all I need to go is wait. I was told XX/XX/XXXX was the day I should of received it. I reached out and spoke to a manager and she never followed up. I am considering their lack of action as negligence and also considering proceeding in small claims for damages.
Product: Credit reporting or other personal consumer reports

I am disputing the following late payment entries on my credit report, as they appear to be inaccurate and unverified : XXXX  XXXX : XXXX - {$0.00} XXXX XXXX XXXX : XXXX - {$0.00} Both accounts show a balance of {$0.00}, but are still reported with late payments. Since no balance remains on either account, it is impossible for any late payments to have been made. I have double-checked my payment records, and no payments were missed or overdue. Despite multiple attempts to resolve this matter through previous disputes, these items remain unresolved. The presence of these errors on my credit report is causing significant emotional and mental distress, including anxiety and sleepless nights. The ongoing impact on my credit score and ability to access credit has also taken a toll on my well-being. 

I request that you conduct a thorough investigation into these disputed items and take prompt action to remove or correct them from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Personal Information Also Known As : XXXX XXXX
Product: Student loan

Ive applied for student loan forgiveness, Im not able to pay it off. These loans are bringing a huge burden on me and affecting my credit score and with that not able to take out other loan to pay off. Part of the student loans that was taken out was given to me with false promises. I took out about a couple thousands to start paying for my education and the school I went to offered me a scholarship to pay most of my loans but at the end they said they were not able to, due to the reason of taking a graduate level course.
Product: Mortgage

NewRez purchased my loan from a company that purchased my loan previous. The company before Newrez went bankrupt. I got a welcome letter stating that I owed New Rez money. I called and asked for my account information to get logged in and paid. I was told that they couldn't find an account with my information only a welcome letter. I was given a login eventually to pay but no account or loan number was linked to it. I paid this company and every month I called in requesting for any sort of documentation with my loan information or something that shows I owe them money. They responded every time with " we have all this and we will mail it to within the next XXXX days ''. this continued for over a year and half. I then hired an attorney to represent me and they are still unable to give me paperwork for the property. I have spent thousands of dollars and still no answers. They keep threatening to forclose the property and at the same time keep sending me COVID 19 repayment options.
Product: Debt collection

On XX/XX/XXXX a letter was sent out by Northstar Location Services , LLC on behalf of XXXX. The letter referenced Loan numbers XXXX and XXXX which appear to be loans from XXXX College and are under review by the Department of Education due to fraud, endangering my life, and encouraging their students to commit felonies and war crimes. 

The amounts of the loans when reviewing the amounts actually appear to be the following two private loans from XXXX XXXX XXXX which are over 15 years old and way past the allowable collection period. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Loans XXXX and XXXX are for the following amounts and originate from XXXX College. XXXX has has {$0.00} balance and XXXX is in administrative forbearance until XXXX XXXX - XXXX XXXX - XXXX These collection tactics are deceitful, unlawful, dishonorable and a disgrace to a civil society. 

Additionally, I believe the deceitful tactics in attempting to collect a debt that is no longer collectable violates FCRA. As a South Dakota resident, these debts are past the statute of limitations which is 6 years. 

I would like XXXX to remove these loans from their online portal. They can shove them into some other website for online portfolio management so that I do not get confused and accidently, through their deception, make a payment towards these loans and reactivate the statute of limitations. 

I would also like all collection notices from XXXX to cease as my account is under administrative review from the Department of Education and there is no reason a collection notice should be issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple months ago I called Credit about an account that showed up in my name. I asked why my name was on account .I was told yes it was my name but closed the account because they suspected fraud. I told them I was glad it was closed and I knew nothing about the account. In fact I told my bank not to pay XXXX XXXX XXXX. Then XXXX XXXX XXXX  some how got a payment from my bank. Then my credit report from the 3 credit agencies showed the account was a charge off and in collection. I reported to the 3 agencies as dispute. I have never heard from XXXX XXXX XXXX about my dispute or anything at all about this account. No bills no letters nothing
Product: Credit card or prepaid card

I am a current cardholder of Synchrony. I have been for more than 7 years. Synchronys systems have complete access to my information. 
In XXXX, someone stole my identity, and applied for credit fraudulently with Synchrony and other creditors. 
When the application came through with my social security number -- the thief used an address in Texas. As synchronys systems show on my CURRENT account, I live in Ohio and have ALWAYS lived in XXXX is a major red flag discrepancy and an indicator of identity theft. 
Ignoring clearly defined red flags of address discrepancies outlined in FACT Act of XXXX, Synchrony not only approved the card, but also provided the thief the  opportunity to furnish her home to the tune of nearly XXXX XXXX dollars. Her home in TEXAS, where the furniture through XXXX XXXX XXXX was delivered. 
Synchrony also CARELESSLY updated my credit report with inaccurate addresses and a date of birth further harming me. They also updated the account as closed rather than removing it, which also adversely impacts my credit score. 
Additionally, now that there is new data including an account, inquiry, addresses and aliases on my credit reportmy current home loan pre-approval and search for a new home must be placed on hold. 
I have spoken to their representatives XXXX times now. Each time I call, I am more concerned with the role played by Synchrony and its noncompliance with the FACT Act and Red Flag Rules designed to protect consumers like me. 
Synchrony has REFUSED to provide me with answers as to WHY they approved the glaringly obvious fraud application, why they ignored red flag rules, why they continue to update my credit report with FALSE information.
They have also refused to provide a physical mailing address to send legal documents.
Synchrony is making this devastating experience even moreso by their continued victimization of me.
I 've spent countless hours on the phone with the CRAs and creditors -- including Synchrony. To date, Synchrony was the ONLY creditor that approved an account applied for by the identity thief. Ironically, it is also the ONLY creditor with whom I ACTUALLY HAVE AN ACCOUNT.
I wonder how many other Synchrony consumers are affected by your firm 's nonchalance?
I would like all information regarding the Red Flag Rules that were ignored and how my account could possibly be approved given this information. I would like a copy of the application -- which I have requested in writing. I would like any and all documentation related to this account and the fraud that was permitted by Synchrony 's failed red flag rules.
If Synchrony is refusing any of this information, I would like the registered agent 's mailing address.
Product: Credit card or prepaid card

Despite paying off my balance in ful l, Macy 's  has charged a {$2.00} " minimum interest fee '' to my account every single month. In  XXXX , I got fed up and initiated a complaint with a  Macy 's repres entative,  XXXX . Within that communication,  XXXX  confirms that I paid my balance in full and that he will close my account, which he subsequently did. Despite that, on my next statement in  XXXX   ( after my account had already been paid in full and closed down ), I was char ged another {$2.00} fee. This is incredibly frustrating, and quite frankly dishonest, to keep charging interest on customers who have already paid off their balance, especially since it was confirmed by the issuing company. I doubt that I am the only  one imp acted by this and I encourage others to submit complaints as well.
Product: Mortgage

I am writing this complaint due to the fact that I was in the situation loosing my home, I did used a HUD Certified Agency to help me to save my home. Unfortunately my home was sold in a Trustee Sale for the amount of {$230000.00} and the unpaid debt was {$200000.00}, these is wrong because we bought the house for {$120000.00} never refinance, never borrower any funds from the property. My negative balance was {$69000.00} and the balance owned is {$78000.00} please see the support documents. Several time I have request the Final Payoff from the Servicer and never replied on the request, we have called and send an emails, and they never responded. I have the right what was the final negative balance owned, so I can recruit for the XXXX XXXX Records the different amount owed to me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX  Account Name : XXXX XXXX XXXX XXXX # XXXX  Account Name : XXXX XXXX XXXX XXXX # XXXX  Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX BANK Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have been trying for months now to obtain a copy of the original contract between XXXX XXXX XXXX XXXX and their client XXXX XXXX prior to my wage garnishment. XXXX only provided a copy of a statement dated XX/XX/2018 from XXXX XXXX, which is not the contract. XXXX has be bouncing around this request for months now, and I demand the request immediately.