23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My income driven repayment application ( IDR ) was submitted through XXXX in XXXX of XXXX. A few months later, it appeared to still not be processed so I called MOHELA in XXXX of XXXX to see what could be done and was put on deferment while they attempted to resolve the issue. In XX/XX/XXXX my payments resumed but were not adjusted for income driven repayment. I called MOHELA again ( XX/XX/XXXX ) and was told it would be fixed this time. They placed me on deferment again. I called on XX/XX/XXXX and was once again offered deferment while they reprocess my XXXX application. I asked why it has not been processed and what information MOHELA was missing or what action was being taken to fix the issue. They said not to worry, it was just a mistake on their end. I asked for written documentation showing what had been discussed on this call and the reason they believed my application had not been processed. They said they would try but the message might not come through so to call back in a few days if it was not received. Days later, I have not received any of this requested information. I did however receive a message through the MOHELA system that my repayment terms had been updated on XX/XX/XXXX to put me in the LEVEL plan. This is the same plan they have had me in since payments resumed post-XXXX  and is NOT an income driven repayment plan. I can not afford the {$1700.00} + a month payment they are requesting and there is no reason that I shouldn't be able to be placed under income driven repayment.
Product: Credit reporting or other personal consumer reports

I call experian spoke to XXXX in the special services department XXXX was very rude did not want to help me with my request and when I asked why she can't access me she told me to send in my information even when I already did and they delete the incorrect information then I looked a month later and re-inserted the same information they deleted off my credit report. Please hold XXXX accountable for not doing her job with correcting my name as it is my right to have my information be 100 % accuarate the this name XXXX XXXX and XXXX XXXX XXXX is not my name as you can see on my drivers licences. I also sent proof that the company removed it then reinsert the name again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX are both a result of Identity Theft. XXXX had a data breach, and someone with access to my personal information is using it to make transactions that are damaging my credit. I have no idea what or who this may be. I have attached proof of a data breachfromXXXX.
Product: Credit card or prepaid card

In XXXX we purchased a subwoofer from XXXX XXXX. It didn't work well, so we opted to return it. Initially they refused to pick it up, but after explaining it wouldn't fit in our car, and that they delivered it to begin with, they agreed. Pickup was completed on XX/XX/22. 

I have a copy of the pickup receipt that I will attach to this. 

I have sent the documentation over to American Express on three separate occasions, and all three they claim they did not get any supporting documentation. Current dispute number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and notice that I had one single late payment on an account that I was NEVER late for. Consumer Reporting Agencies have assumed a vital role and a have a responsibility to report Consumer information to best of their ability with Maximum Accuracy! I have NEVER been late for payments on this account ( Account Name - XXXX XXXX  ) ( Account number - XXXX ) please thoroughly investigate and provide PROOF with statements of payments being late. If proof CAN NOT be provided I DEMAND this payment be updated to on time as it should be, as I was NEVER late. Thanks.
Product: Credit card or prepaid card

I have a 24 month interest promotional account with Macys. After paying over the minimum balance for months I realize that the promotional amount is not being reduced. I found out that I have to call customer service every month and tell how much should go to the promotional balance. It seem to work until XXXX of XXXX. I call two or three times in a month but the amount has not reduced. Customer Service states that is take 2 to 3 statements to reduce the amount. From XXXX to XX/XX/XXXX the amount has not change. Here is my real issue. The payoff is suppose to be XX/XX/XXXX. If I made the payment on XX/XX/XXXX and Macy 's credits my account in two to three months I will have to pay about {$1500.00} interest. 
I asked May 's Customer Service for a number or address to file a compliant and was told that they don't have a complaint department. Two other customer service people have me two different addresses. 
The can't be fair
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BELOW ACCOUNT DOESN'T BELONG TO ME, I HAVE CONTACTED THEM MANY TIMES AND THEY HAVE NOT REMOVED IT FROM MY CREDIT REPORT. I DON'T KNOW WHERE THIS COMPNAY CAME FROM, OR WHO THEY ARE XXXX  Opened XX/XX/XXXX Balance {$630.00} Account # XXXX
Product: Checking or savings account

I applied for SBA EIDL advance XXXX of XXXX. I was approved and received funding into my Chase Bank checking account. I went to the branch the morning of my deposit, XX/XX/XXXX, to make a withdrawal from my account. I was told that my account was froze and to come into the branch to speak with the branch manager. He proceeded to tell me that I need to provide proof of business. I drove home to get my paperwork and return right back to the branch to provide my documents. I was told that my documents were submitted and that I would receive a call in 24 hours. I never received a call so I went back to the branch. I was told that unfortunately my funds were returned back to SBA and my account was closed. I proceeded to contact SBA and they specifically said that they do not receive returns and are unable to request a return once funds are sent to bank. Now XX/XX/XXXX I received a email from SBA notifying me that I am eligible for targeted advance funds but when I access my application it says that I received a {$10000.00} advance to MY Chase Bank checking account. I called SBA and explained the situation that happened XXXX of XXXX and they explained that I would have to get in contact with Chase Bank whom is now telling me that my account was closed at a {$0.00} balance and they are unsure where my funds have gone. Please help
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. THE ACCOUNTS ARE LISTED BELOW : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$500.00} PLEASE HAVE THOSE ACCOUNTS REMOVE OFF THE THREE CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB related to a wrong credit report of XXXX  XXXX XXXX XXXX report # XXXX-XXXX and Equifax report # XXXX-XXXX  related to a past due mortgage for XXXX, XXXX XXXX and XX/XX/2019 from XXXX XXXX XXXX XXXX. The Loan was paid by wire from XXXX XXXX XXXX XXXX XXXX  on XX/XX/2019 by wire in accordance with the written payof demand submitted by XXXX XXXX  to XXXX XXXX XXXX. XXXX reported incorrectly the Mortgage unpaid for 4 months to all 3 credit bureau and finally in XX/XX/2019 informed me that the mortgage was paid, balance XXXX and they reach an agreement for a very small insurance shortage of with the insurance company insuring the loan and the Title Company to no fault of myself. XXXX has informed the credit reporting agencies but only XXXX  has corrected the report and revised the credit score while Equuifax and XXXX have failed to correct the information and I was advised in writing that in accordance to the guidelines they had not sufficient information to revise the credit report. all information I have available were submitted to XXXX  report XXXX and Equifax report XXXX. I do not understand how information are sufficient for XXXX  but NOT for XXXX  and Equifax and an application of mortgage refinance with XXXX XXXX was suspended due to the low score registered with XXXX  and Equifax while the score with XXXX  was sufficient for the refinance process.
Product: Checking or savings account

No bank can not take a a payment of benefit to repay overdraft. Social Security, XXXX XXXX benefits. To pay bills, rent, medical insurance. Utilities, and food. 
Bank of America violated this against senior. The negative was not negative. It was a back pay legitimate government check for XXXX XXXX. The bank should have reissued another check. The bank manager at XXXX XXXX XXXX XXXX approved and cashed it. 
I should have my XXXX XXXX Social security replaced and refunded due to my income being lost to pay for living situation. 
XXXX XXXX. XXXX, & XXXX, XXXX branch have not corrected this matter
Product: Credit card

I had a late fee my first time using Old Navy Rewards Card ( Barclays Bank ). I called in XXXX to ask if they would remove the late fee and said that I would pay it in full immediately. They agreed and waived the fee and I paid in full. 

They did not actually waive the fee and so I got charged another late fee on top of that. I called again as soon as I noticed and was told the fee was waived its just pending and that they will also waive the new fee. The new fee was waived but still not the original fee. I called again and got the same answer that somehow this late fee is still pending since XXXX and theres nothing else they can do besides remove the SECOND new charge. 

Now, today, I once again incurred a late payment fee and owe more on the card than I had ever charged in the first place ( I made a purchase for about XXXX dollars and haven not used it since because of this issue ), as I now owe XXXX dollars. 

I cant even use this card because they have not sent me one in the mail since I got it back in XXXX so there is no way I should owe any money to this bank.
Product: Debt collection

I had a phone account with XXXX. As I was traveling abroad frequently I requested them to charge only to keep my number active. They did ask me to pay {$20.00} per month for one or two months and then refused to do any extension. so after two months they started to charge regular amount of $ 52.00+change, I then called them to disconnect my account and sent them my final payment of $ 52+change. They did not cancel my account and kept billing me for next two or thee months. When I called them why are they still sending me bills, when I had canceled this account. There reply was that they have no record of my calling them and still have to pay three months and late fees. I refused to pay as I was not responsible for their mistake. This is about four years back. I never received any letter from any credit company. Now they have put on my credit report thru some AFNI credit.This is more of a black mail as these companies can getaway because they are too big & nobody can fight with them.This so called debt is about four years old.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : IXXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had ( XXXX ) XXXX Capital One Credit Cards. XXXX was for business, and the other personal. I had always tried to be timely on payments. I worked late a lot, and at the time their web page stated that payments could be made until XXXX. There were times there I would get home late from work and not submit my payment until close to XXXX. They would then charge me a late fee. I complained several times. They told me payments made after XXXX were late, but still accepted until XXXX. The web page did not say that at all. Then the real problem began. I would get on to make payments and I would get several errors like " you request did n't go through '' or " the site is down. '' This would happen frequently. This would then cause the payment to be late. I did not know what to do. I have tried several times to remedy this with them but they continue to claim that I never contacted them. I will attach several letters. Upon request, I have several letters from the Attorney General of Indiana also. I feel that they purposely mislead people on the payment acceptance. This caused me to go into default and now stuck in collections. I went into default because they would charge late fees, cause the limit to go up and then charge over limit fees. There must be a remedy to this before I am forced to obtain a lawyer. This has resulted in MASSIVE interest rates when trying to obtain credit from reputable sources, including countless hours spent researching and fighting this matter.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. I also was a victim of identity theft by a person who used to do my credit repair and used my information for her own gain. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit card or prepaid card

I made a payment to my Capital One Quicksilver credit card in the amount of {$490.00} the same time I made a payment to my Capital One Platinum credit card in the {$470.00}, making the payment from my Capital One checking account. My payment for the Platinum card posted the same time as the payment for the Quicksilver card on XX/XX/2020. However ; the funds availability for my Quicksilver card was placed on " hold '' for 8 days making funds available on XX/XX/2020. Funds for my Platinum card were made available right away. When I called Capital One to inquire about when funds would be available, I was told the hold was placed because they don't know if the bank was going to clear it or not. I explained that my checking account is with Capital one and the transaction has been posted already. I was then passed from representative to representative ( 5 total ), until I asked to speak to a supervisor. The supervisor explained to me that they are not removing holds anymore as it was " a courtesy to release the funds '', that they no longer provide. I asked how can they do that especially since it was coming from a Capital One checking account and the other credit card I have with Capital One has had release of funds. The supervisor, who would not give me her name when asked and provided a title of Sr. Account Supervisor, stated that several things can place a hold on an account, to which I asked, well out of those several things what is the reason for the hold on my account. She did not answer. I said there is an emergency situation and I need the funds, she said sorry I cant release them. I asked under any circumstances can you release the funds, she said I can but I cant advise you of them. The entire process took 3 hours and I am still having wait for my funds to be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with a derogatory mark showed up on my Credit Report through Transunion, XXXX, XXXX. etc. - that DOES NOT BELONG TO ME. 

I have researched the financial management entity on the report - XXXX XXXX XXXX - who are repeat scammers. When their phone line is dialed, the phone automatically hangs up if the call has gone too long. I did not give them any of my personal information. 
XXXX XXXX XXXX  This is the full description that shows up on TransUnion : XXXX XXXXXXXX XXXX XXXX XXXX {$1100.00} - - - Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX - ( XXXX ) XXXX Date Opened - XX/XX/XXXX Responsibility - Individual Account Account Type - Open Account Loan Type - COLLECTION AGENCY/ATTORNEY Date Updated - XX/XX/XXXX High Balance - {$1100.00} Original Creditor - XXXX XXXX Past Due - {$0.00} Pay Status - >In Collection< Estimated month and year this item will be removed - XX/XX/XXXX Please remove this fraudulent account and balance from my credit report!
Product: Debt or credit management

They had me set up a separate account and pay {$200.00} twice a month into that account. It's called XXXX XXXX. They had a notary come to my house to sign the paperwork so it seemed legit. They told me to stop paying all my credit cards and they would try to settle out of them. I would pay less $ $ for less time as compared to my current credit card payments and interest. 
Since then I have been trying to get a hold of them to stay on top of things and let them know I'm getting notices from the cc companies. They are not even responding. Then I went to the internet to see if anyone reported this company as a scam and sure enough it has scam written all over it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two companies reporting my information outside of compliance of the XXXX XXXX. ( Privacy under consumer financial information ) They are furnishing accounts on my credit report and did not give me the disclosures under 15 USC 6802 ( b ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

They were supposed to give me all three before furnishing my account info on my credit report. They never gave me the option to " opt-out '' of having my information reported. I have confronted Bridgecrest with letters asking for proof in the contractual terms and agreement or disclosure information and they failed to do so. I was only sent a copy of a contract with only XXXX disclosure which was a truth in lending disclosure about finance charge. The contract did not have any disclosure statement as instructed to be given to consumers under the XXXX XXXX XXXX XXXX. They only sent me a contract and a paper saying that my account has been verified. They are sending me what they want to send me and not honoring my request with what I asked for about the information they were supposed to provide me with. They are reporting my personal information with their own agenda. This is dishonorable to me and my family.
Product: Credit card or prepaid card

1. Never received first bill from Target.They are now trying to charge a late fee while i never received first bill AND they have messed up my account so i can not login to pay them with my same email ( seen here ) 2. Tried to cancel another store card with them which they refuse to cancel. still shows active in portal etc despite them saying its cancelled. Need this fully cancelled and need this done so i can use this account with my email for the new care ( see part 1 ). Semi related to above due to old card messing up the portal and keeping me from paying. 


Had one of their collectors call me the other day which is when i realized payment was even late. I knew i had one due and was hoping would fix these issues before then but now I need late payment removed and this fixed.
Product: Credit reporting or other personal consumer reports

My information was breached on the dark web. Please remove this chargeoff/collections from XXXX XXXX account XXXX
Product: Credit card or prepaid card

In XXXX my husband made a payment with a live rep over the phone using the same debit card that we have used in the past. My husband is on my discover account. The payment was made on time. The employee entered the payment as a ctc payment which means 3rd party. Our debit card will not except XXXX party payments. We were never informed the payment was not made. When I checked the automated system for discover it showed the payment was made. We didn't find out until the next payment was due. We contacted discover exec XXXX. As of today it's still showing on my credit as 60 to 89 days late.
Product: Money transfer, virtual currency, or money service

<About What Chase did so far> When I was in US, I tried to send my money to XXXX. But banker did mistake. 
But banker told me that it was success so I closed the account. 
After going back XXXX, I asked banker whether it was ok or not then he told me that it was not ok. 
I asked them to send check to XXXX but they said they can not. Only choice is going to US to show ID. 

<NOW PROBLEM> I refused to go to US. Then they sent check where I lived. 
My ex roommate sent me the check and I went to the bank ( XXXX ) to convert it.

Banker at XXXX told me that it is not fake. 
3 days later, the banker gave a call that " Chase refused to pay money. They said stop payment. '' WHAT?????????????????????????????????????? // I can not believe what chase did so far.

I really can not believe.

I can not allow Chase any more. 

Please give my money back. 

Chase bank is fraud!!!!!!!!!!!!!!! 

I am ready to sue the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX these companies used my credit report without my knowledge and consent.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I received many letters and emails from Jefferson Capital where they said that I have a debt of {$300.00}, and this has affected my credit score and my social security number. I haven't taken action against the company, because I don't accept that this is my account or my responsibility. The last letter I received was on XXXX XXXX 2024, and the email was sent XX/XX/XXXX. 

If you require more information, feel free to contact me. Thank you.