23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hi My original student loans went into repayment in XXXX. Two years ago, I inquired about loan forgiveness since my loans would be over XXXX XXXX XXXX. In XXXX of that year, AidVantange sent me a letter stating that, in all that time, I had only accrued 10 months of loan forgiveness.

I noticed that the disbursement dates on this letter seemed inaccurate. In that year the US Department of Education was adjusting borrower accounts that fit the following criteria : I was XXXX will conduct a one-time account adjustment to borrower accounts that will count time toward IDR forgiveness, including o any months in which you had time in a repayment status, regardless of the payments made, loan type, or repayment plan ; o XXXX or more months of consecutive forbearance or XXXX or more months of cumulative forbearance toward IDR and PSLF forgiveness ; o months spent in deferment ( with the exception of in-school deferment ) prior to XXXX ; and o any time in repayment prior to consolidation on consolidated loans. 
Any borrower with loans that have accumulated time in repayment of at least XXXX or XXXX years will see automatic forgiveness, even if you are not currently on an IDR plan. 
I was certain my loans fit this XXXX  since my original loans, totaling {$26000.00}, had an outstanding balance of {$58000.00} as of this letter, due mostly to years of interest capitalization while in forbearance. Yet, I never received consideration, even though my loans were over XXXX XXXX XXXX. 
I believe my account was overlooked because the dates of my loans were improperly recorded. AidVantage has recorded the disbursement date for these very old loans as XX/XX/XXXX. These loans were dispersed in XXXX and went into repayment in XXXX of XXXX. 
I went back to school in XXXX and am now attempting to finish my XXXX XXXX XXXX XXXX I had hoped this program would open up enough funds for me to finish, but I never expected to run into this issue. I have done all I can to resolve the situation. Neither the FSA nor AidVantage is doing anything to assist. I was hoping you all could help. 
I have attached a historical record of all my loans, provided by XXXX  ( the loan servicer I had prior to AidVantage ), the Letter I received from AidVantage in XX/XX/XXXX.
Product: Credit card or prepaid card

Initiated the application process for a Wells Fargo credit card but did not complete the application process. I did not agree to the terms and conditions which were presented during the application process. When presented with the terms and conditions agreement page I closed out of the application.

Even though I did not agree or authorize an account to be created in my name I received a credit card approximately two weeks after initiating the application process. A balance transfer was made to another credit account which had a zero balance. This resulted in a balance transfer fee of {$270.00}. The initial balance of {$9000.00} was refunded to Wells Fargo. However, after multiple attempts at resolution I am still encountering resistance from the XXXX XXXX XXXX XXXX XXXX  on canceling that balance transfer fee and closing the account which was never authorized.
Product: Debt collection

I received a packet of documents saying that I owed for medical supplies and the charges had gone to a collection agency. 
Supposed collection agency : Assured Collections. XXXX. XXXX XXXX XXXX XXXX, XXXX, OK. XXXX Supposed XXXX XXXX XXXX  : XXXX XXXX XXXX. ( they have a fake website and don't answer the phone ) They sent me one envelope with separate charges for : {$45.00}, {$98.00}, {$98.00}, {$98.00}, {$98.00}, {$98.00}, {$98.00}, {$45.00}, {$98.00}, {$45.00} for a total of {$820.00}. 
I tried to contact XXXX since supposedly they were billing me but no answer and others have said they are scamming them. Super sad if people fall for this. I am at the address shown on the bill and if I was being billed by a company I would have paid it.
Product: Credit card or prepaid card

I have a small business with Bank of America ( BOA ) account for over 5 years, also had a business credit card with BOA during that time. Realizing that on that credit card I was not receiving any type of cash back or other rewards, in XX/XX/2019 I went to the BOA at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The BOA associate there advised me that in order to receive rewards, I would have to sign up for a new credit card, which I did. 

Since then, due to various issues with the way BOA set up the new credit card account, I have come to realize, and been told by at least 2 BOA associates, that it was never necessary to have opened a second credit card account, that it should have been possible to change the prior card account or otherwise add rewards to that account without opening a new account. 

To me, this has the appearance that BOA is engaging in exactly the conduct that XXXX XXXX has been in the news for - requiring customers to open new accounts when that is not necessary. I will be cancelling my credit cards with BOA, and possibly taking my small business banking elsewhere, so I don't need any action or resolution on my behalf.
Product: Debt collection

Someone took a credit card in my name. They accumulated almost {$13000.00} in debt and did not pay it. I never received statements for this account and had no idea it even existed. I was eventually contacted by a debt collection agency saying I owed XXXX almost {$13000.00}. The debt collection firm is Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX. Stillman and XXXX took me to court and won a judgment for {$12000.00}. I did not go to the court hearing as I was told not to. This is not my debt but I am being forced to pay for it. Stillman Law Office is garnishing my wages. I only make about {$350.00} a week. It is ironic I never received any bills or statements but when they went to collect they found where I live. Again they have been garnishing my wages but call almost everyday wanting more money. They wo n't stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for a XXXX XXXX XXXXXXXX XXXX account or any account related to them on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX Credit Card on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX account on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX XXXX Credit Card or any card related to them on XX/XX/XXXX. Please remove it from my XXXX credit report immediately.
Product: Mortgage

In XX/XX/XXXX, our area was struck by a hurricane. From XXXX to XX/XX/XXXX, our insurance company assessed the damage, which included our roof, garage door, bathroom, windows, and AC insulation. 

In XX/XX/XXXX, we initiated the repair process for our home, focusing on the garage door, bathroom, and XXXX insulation, and successfully completed these repairs. 

By XX/XX/XXXX, we received a check from our insurance company, with instructions from our mortgage provider to endorse it. 

In XX/XX/XXXX, we promptly forwarded the insurance check to our mortgage company as per their request. 

From XXXX to XX/XX/XXXX, we made multiple attempts to obtain the funds from our mortgage company. Despite our continuous efforts to provide the requested documents, the process proved challenging due to delays in acquiring necessary paperwork from various involved parties. Additionally, some repairs, such as those to the bathroom, AC insulation, and garage door, had already been completed, and we were eager to access the funds to cover these expenses. We earnestly seek a resolution to receive the reimbursement for the repairs we have already undertaken.
Product: Credit card or prepaid card

I transferred XXXX MR points from my american express membership reward account XXXX to XXXX XXXX XXXX on XXXX and it was successfully transferred on the same day. XXXX made another transfer of the same amount XXXX on XXXX and could not explain where the points went and I did not receive the other XXXX points on my XXXX account.
Product: Student loan

I originally borrowed a total of {$7500.00} ( {$2500.00} on XXXX/XXXX/XXXX and {$5000.00} on XXXX/XXXX/XXXX ). These loans were serviced through AES ( American Education Services ). As of XXXX/XXXX/XXXX I have paid a total of {$6600.00} and the loan balance is {$6000.00}.
Product: Credit reporting or other personal consumer reports

All Three XXXX XXXX Experian reporting incorrect All inquiry And my Account Never was Late
Product: Vehicle loan or lease

In 2020, I consciously purchased an Audi XXXX and added an Audi Care plan to my contract. The salesperson clearly explained that Audi Care would prepay for my vehicle 's services, including oil changes and tune-ups. However, when I went to the Audi dealership for service, I was denied free service because the dealership had no record of me being charged for the Audi Care plan. Despite trying to use my Audi Care plan again, I faced the same issue and ended up paying for my services out of my own pocket. I then contacted Audi Customer Service for a refund but was told that my plan had expired. This is unacceptable, and I demand a full refund for the amount I was charged for Audi Care. I believe I was misled and taken advantage of, and I expect Audi to rectify this situation immediately.
Product: Mortgage

My deceased mother, XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX had a reverse mortgage with XXXX XXXX. XXXX XXXX went out of the reverse mortgage which sold her reverse mortgage to Champion Mortgage ( Nationstar Mortgage LLC, DBA ). Her house was under contract to be sold on XX/XX/2021 and the closing was on XX/XX/2021. I executor/trustee of the estate. During that time the real estate agency has sent faxes and made telephone calls to Champion to find out the payoff amount. Champion has claimed not to have received the faxes, at one time they sent me a notice of a lien against the property and when I called told me the information was confidential, and now they told the financial arm of the real estate company that the payoff could not be determined until XX/XX/2021. They also stated the information probably would not be available until XX/XX/2021. 
I have called them on my mothers behalf in the past and they have been able to immediately tell me the payoff amount over the telephone, I strongly feel, due to my interactions with various representatives of this company that they are disorganized, deceitful and that right now they are trying to squeeze the last drop of the fees and servicing costs from the payoff amount. The escrow is frozen until Champion will tell us the payoff amount and they are causing harm to all of us involved, By the way, in small print at the bottom of the papers they send, they say they are a collection agency. 
I would like this company to be reprimanded for predatory, threatening, and uncooperative practices. We did everything we were supposed to, we notified them of my mothers death, I returned their telephone calls and the real estate agency took over the efforts to pay off the reverse mortgage as soon as possible. Champion Mortgage has treated us badly, deceptively and usurously. The real estate company has dealt with many reverse mortgage lenders and I have emails stating that none have been as uncooperative as this Champion. 
I hope you will look into this, XXXX, XXXX XXXX
Product: Consumer Loan

American Credit Acceptance is erroneously reporting payments after this account charged off XX/XX/XXXX. They continuously add payment history that shows payment, then they go back to reporting new 30, 60, 90 day lates to cause detriment to my fico score. They reported a paid status for XX/XX/XXXX thru XX/XX/XXXX and then 30, 60, 90 day late and Charged Off again for XX/XX/XXXX. They also continue to increase the balance owed but I have not recieved any statements. I was made aware of these errors using online versions of my credit reports but I have ordered paper copies so that I can provide them if needed.
Product: Debt collection

I had someone open an apartment under my identity in another state that I do reside, now they want XXXX XXXX from what I was told seemed like no one even moved into the unit. XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB this is in response to CFPB complaint XXXX XXXX and XXXX with Affirm, in my most recent complaint with affirm they stated they sent me an affidavit on XX/XX/23 but thats not true cause I received the affidavit on XX/XX/23 and filled out everything and emailed back on XX/XX/23 will attach that supporting documentation which then means affirm is not keeping accuracy here in reporting things correctly as an added measure I filled out two additional affidavits on XX/XX/23 which both contains the additional supporting documentation such as a data breach letter I received on XX/XX/23 where my Personal information was affected and also an XXXX representative email that even states they could not find the order # XXXX related to my XXXX account that affirm is accusing me of, Dear CFPB if you also head over to Affirms XXXX XXXX XXXX complaint reviews you will notice this is a common issue with affirm where people whos Personal information may be compromised and loans are getting taking out fraudulently affirm does poor investigations into peoples fraudulent loans which is my experience, if the supporting documentation I gave them is not enough Im requesting affirm provide valid proof such as the tracking number and delivery of address for the XXXX order there accusing me of as well as the location where the electronic signature was signed taking out this loan with affirm, this matter needs to get resolved now and with urgency and removed from my credit profile immediately as Im a victim of identity theft! I will get my California state attorney and Federal trade commission involved in this matter if affirm doesnt fix this issue immediately and with urgency.
Product: Credit reporting or other personal consumer reports

i XXXX XXXX looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. THIS ACCOUNT XXXX  XXXX XXXX account number And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonale cause to believe that the information is inaccurate.
Product: Checking or savings account

To whom it may concern, I have been a Citibank costumer for many years. 
On XX/XX/year> around XXXX and XXXX I went to the bank drive through to deposit {$2500.00}. I know you are saying " why go through a drive through for that amount of money? ". 

But guess what?? 

That's what is there for. And i am being recorded so I figured it's safe. Also it says up to XXXX bills you may deposit. 
Anyways, I went to deposit the money and the machine spit out {$200.00}, because the money was a a little bent. 

So I took {$200.00} and I waited for the {$2300.00} to be deposited. The machine went on Error mode and it said " error error please take your card ''. I took my card and I was like " ok. Where is my money ''? ..I logged into my bank account from my phone, there was no deposit.

Now I am in panic mode. I called citibank right away and told then what happened. Noone wants to hear " we will process your claim and let you know in 10 to 15 business days the outcome of our investigation ". Annoyed at this point that's a lot of money. That's my rent and food money. 

Finally a letter from Citibank. " We apologize for the inconvenience, but based on our investigation there is no trace of your money. Sorry for the inconvenience have a nice day ''.

WWWHHHHAAAAAAATTTTTT!!!!! 

{$2300.00} VANISHED!!!!! 

IF I TOOK {$2300.00} FROM CITIBANK. I WOULD HAVE BEEN IN HANDCUFFS AND PUT ON JAIL IMMEDIATELY. 

What they are doing is stealing from us. 

Did you know that the drive through atm machines next to the bank are 3rd party?? Yes they are. And I feel that someone figured out a scheme to steal money. Because I found out that this branch in XXXX XXXX, NJ is having 5+ claims a week complaining how their money doesn't get deposited and the machine goes in error mode. 

I went to the police department and they said " it's not a police matter ''. I went to the courthouse in XXXX and they said " I need a lawyer ''. I went to see 3 lawyers and they are all scratching their heads. How is this ok??? 

This is madness I need my money Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX  XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$11000.00}
Product: Payday loan, title loan, or personal loan

during the   XXXX   XXXX   of  XXXX   2017 , I requested that my banking account information be updated so that i could use an additional account to make payments on my loan. I was not given the opportunity to do so, I received no response offering to help update my account information or providing me the option to do so.     during  XXXX   2017 , I called and requested that I be given an update on my account and was placed on hold for an extended period of time. I contacted mobiloans again during  XXXX     2017  and after discussing the status of my account and learning of the additional charges being added I was offered a settlement amount. I verbally accepted the offer extended and was told that the agreement would be in place and the amount owed would be the agreed offer. As part of the offer I was asked to agree to a payment to be taken as " good faith '' I was told that it would be applied to the new settlement amount and would cease any previous ach payments.To confirm the agreement, I asked that I be delivered a copy of the terms and conditions of the settlement offer as proof of the agreement via email or physical mail. I was told that they would not do that and that I could expect information by the following close of business. The following day I was charged  XXXX  payments instead of the  XXXX  payment as agreed and was never given the terms and conditions of the settlement offer. I contacted them again and still did not receive the information requested. furthermore during this time I was unable to make payments on the account online.   
As a result of these actions and behaviors on behalf of Mobiloans, I consider this to be a breach of contract for violating the terms and conditions of the settlement agreement o  ffered to me and for not allowing me to pay my account balance to avoid additional fees and charges.
Product: Debt collection

XXXX XXXX have four collections on my credit report for XXXX, XXXX and XXXX that are old. The last payment was more than XXXX years ago, I am located in Minnesota and state law is XXXX years and removed and expired. I have contacted all credit companies that have credit reports, XXXX has not acknowledged them, ignoring the law.
Product: Mortgage

The problem is I want to pay my homeowners insurance directly. Ditech says that FHA requires that my homeowners insurance be paid by Ditech through escrow. I called FHA and was told that Homeowners insurance is not required to be in escrow. Ditech says that Hazard insurance and Homeowners insurance are the same thing. It saves me over {$50.00} a month on my homeowners if it is paid monthly and automatically deducted from my bank account. Which should make my house payment less. Instead Ditech raised my house payment over {$120.00} a month. This makes no sense. Please help me. They are saying FHA requires it. Please help me lower my house payment. I am XXXX and XXXX, so my income is fixed. Raising my house payment is not something I can pay. I don't want to get behind on my house payment.
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. 

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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Five cards apparently fell from my wallet last Wed XX/XX/XXXX. I was notified first by XXXX ( XXXX   Mastercard ) that a transaction for {$4500.00} was attempted. They asked if I had the card ... and at that time I realized I did not. I noticed I was missing the five cards.. ( four credit cards and my Fidelity Debit card . The perp attempted with all four cards this transaction.. {$4500.00} ... at the XXXX store here at XXXX XXXX . All were rejected. Then they used my Fidelity VISA debit card ... without my pin.. ( apparently as a " credit card '' and the transaction cleared ... debiting the amount from my checking account. They then took the card to XXXX XXXX and made two additional purchases ..about $ 2K additional. 

So I am out over $ 6K now ... from a card I thought was supposed to be protected by my pin ... but was not. So that is my first issue. 

Then when I call the number on the card I am directed to the Fidelity Card Services team..they route me to the fraud department, that tells me that they will investigate and get back to me by mail in " 8 to 10 business days '' with a decision. 

I am concerned that this is not at all what I expect from the VISA brand and so search " Visa Debit liability '' .. and get this page from VISA assuring me that I should have no worries and that the financial institution will replace the funds within five days. 

XXXX XXXX XXXX This is directly counter to the " 8 - 10 business days '' that Fidelity 's team quotes me. I call back each vendor ... Fidelity shared that this is not their issue., that if I see this on Visa 's page I should take it up with Visa. Visa call center rep tells me that the page is not " false advertising as there is a phrase " for specific limits, consult your issuer '', at the bottom of the page. I am incredulous that he would make this statement ... as Fidelity is a major issuer ... so the rest of the claims on this page are patently false!

Please correct the false advertising of VISA ..and/or ensure that Fidelity step up it's service level to match what VISA is conveying as their expected service level. This is clearly deceptive advertising by both and a great dis-service to a once loyal customer to both firms.
Product: Debt collection

Waypoint Resource Group is falsely reporting a balance of {$190.00}  from XXXX that I do not owe. I asked the representative with Waypoint Resource group if they owned they debt and she said that  they do not. I have a {$0.00} balance with XXXX XXXX, therefore, Waypoint Resource Group should not be reporting anything.