23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Amex calls me repeatedly even though I have explained my financial situation and my inabiltiy to pay at this time. The phone call I just had with a debt rep from Amex consisted of him repeatedly telling me if my payment wasn't made today, I would be turned over to collections. I asked for the late payments to be removed and he stated they could only remove 3 fees. I asked for more and he kept repeating himself about closing the account and sending me to collections. When I asked him to stop making threating statements and asked for his supervisor, he refused and continued repeating himself about what will happen if I don't make a payment.
Product: Debt collection

I am in a position to settle this debt, but agency refuses to disclose what portion of what they claim I owe is principal and what are fees and interest that they have added. I have called in excess of XXXX times only to encounter disconnected phone numbers, voice mail boxes that are full, and unreturned calls.
Product: Checking or savings account

Everything was perfectly fine until the day after my XXXX paycheck deposited. Then my card stopped and i couldnt access my money. I was never notified of what was going on i had to call and was told it's usually resolved in 24-48 hours and they do t usually have to contact you ( how y can not need to contact me when your freeze my account i do t know ). A specialist from the XXXX bank was handling it and I never talked to these people. I was told they don't have phones. No one had any information for me or an adequate explanation. It ended up taking XXXX6 hours and my card worked for 1 day then stopped again. I was told they had decided it was something with fraud and were closing my account in 30-60 days if i washed my money i needed to go to a branch. I still have no idea what this alleged fraud is AND how it was committed. And I find it quite interesting this all happened right before a bonus {$300.00} was paid to me for opting the account.
Product: Student loan

Today XXXX I called Aidvantage to discuss lowering my student loan. I am in an income based plan but payments of {$330.00} are still too high so I called to discuss as mentioned in their website. One woman I spoke with said she couldnt help me and she went to transfer me to her supervisor hung up on me. I called again and I spoke with a man a second time. He told me I would pay a higher amount than the first person I spoke with. He mentioned a payment being in {$400.00} range. I told him the last woman told me {$330.00} then said he could potentially get it lowered to {$280.00}. I again asked to speak with a supervisor. Put me on hold. Then said, theyre just going to tell you the same thing I did. Still kept stalling and said his supervisor said I could consolidate my loans. He refused to put a supervisor on the phone. I told him I could pay {$200.00} a month. He informed me I make too much money and Aidvantage would never work with me on that number. I got so frustrated I hung up.
Product: Student loan

XXXX of my student loans was recently transferred to a different lender. The previous lender was XXXX and the new lender is Great Lakes XXXX XXXX XXXX. I did not receive a bill ( or any other correspondence ) from Great Lakes after the transfer. I tracked them down on my own after not receiving any bills for a couple months. They tell me they did not have any current contact information for me, and that is why I did not receive a bill. XXXX had a current mailing address, phone number and email address for me on file. Great Lakes wants to charge me a {$5.00} late fee because I missed one month 's payment. I refuse to pay it. 

This is the second time that XXXX of my student loans has 'fallen through the cracks ' when one lender bought the loan from another. In the previous instance the late payments were reported to the credit bureaus, negatively impacting my credit rating. 

Perhaps I 'm being cynical, but I wonder whether these lenders WANT borrowers to fail to pay so they make money on fees.
Product: Credit card

I had identity theft committed against me by a tenant who lived in my house. They had access to my electronic devices, mail, and phone on the account of not believing that someone I knew would steal from me. They opened an account and made numerous charges to my card, and even set my own bank account as autopay using small purchases so that it went unnoticed until I changed banks. Once I changed banks they used fraudulent accounts resulting in termination and collection efforts at which point I was alerted that something is wrong. A police report has been filed, identity theft reports. None of these charges were authorized, or benefitted me, and I was unaware of them. This was a felony white collar crime committed against me and Apple/Goldman Sachs refuses to properly investigate this and remove these charges and credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey my name is XXXX XXXX I am writing to express my ongoing concerns regarding the credit bureaus ' compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts on my part to address these issues with the credit bureaus, they continue to disregard the provisions outlined in the FCRA, which is preventing me from getting a job. Ive been hung up on, and shut down on many occasions by the bureaus ' so now Im coming to you guys begging for your help. 

As per my simple understanding of the FCRA, I would like to draw your attention to the following relevant sections : 1. Section 15 USC 1681i ( 5 ) : This section states that the credit bureaus have a responsibility to modify or delete accounts that are reporting inaccurate information. However, despite presenting evidence of inaccuracies, the credit bureaus have failed to take appropriate action to rectify these discrepancies. 
2. Section 15 USC 1681b ( 1 ) : According to this provision, the credit bureaus are required to obtain written permission before disclosing consumer information. It has come to my attention that the credit bureaus have not obtained such permission in certain instances, thereby violating this crucial aspect of consumer privacy.

3. Section 15 USC 1681 : This section establishes my right to privacy as a consumer. I believe that the credit bureaus ' actions, as described in my previous correspondences, have compromised this right by mishandling and disclosing inaccurate information without my consent. 
4. Section 15 USC 1681s-2 : This section outlines the obligations of individuals and entities providing information to consumer reporting agencies. It clearly states that information should not be furnished if it is known or reasonably believed to be inaccurate. Despite my notifications and confirmation of errors, the credit bureaus have continued to report inaccurate information, disregarding their obligations under the FCRA. 

I could continue providing additional examples that illustrate the credit bureaus ' consistent failure to comply with the FCRA. It is disheartening to witness their lack of respect for the laws put in place to protect consumers like myself. 
I kindly request that the Consumer Financial Protection Bureau takes appropriate action to hold the credit bureaus accountable for their non-compliance with the FCRA. It is crucial that steps are taken to ensure that they adhere to the provisions outlined in the act, rectify the inaccuracies in my credit report, and prevent such violations from occurring in the future. 
Attached to this complaint, you will find copies of the previous correspondence I have had with the credit bureaus, highlighting their lack of compliance, and highlighting the many issues on my report. I trust that this documentation will aid in your investigation and enforcement efforts. 

Thank you for your attention to this matter. I greatly appreciate your help. My life is put on hold as of right now.
Product: Student loan

Original loan balances {$19000.00} ( Subsidized ) and {$10000.00} ( non-subsidized ) Current loan balance {$45000.00} Amount paid since XXXX : {$110000.00} I had a few late payments and put the loans in deferment when I got divorced, but something seems really wrong here. 
AES recommended to place notes ahead of time on payments to pay the subsidized loan a certain amount, etc. Nothing helps to reduce the principal. 

XX/XX/XXXX : After graduating I began repayment of student loan XXXX XXXX XXXX ( XXXX XXXX XXXX : XXXX ) subsidized loan ( {$19000.00} ) and subsidized loan ( {$10000.00} ). 

XXXX My spouse and I were badgered to consolidate our loans via telephone, so we did. Then AES purchased the loans. Our interest rate is 7.63 % The unsubsidized loan : I am not sure how, but by XX/XX/XXXX our new balance was {$38000.00} XX/XX/XXXX All Loans Disbursement {$48000.00} new balance {$87000.00} ( There was no disbursement taken by us. AES can not explain this transaction or why my balance is now {$87000.00}. ) XX/XX/XXXX All Loans -Loan Consolidation {$39000.00} {$48000.00} ( Now my balance is $ XXXX AES can not explain why ) The Subsidized loan : XX/XX/XXXX our new balance was SUBSPC + {$13000.00}. 
XX/XX/XXXX : Current Balance of this loan : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2016 I have been requesting Transunion to provide me with copies of all the documentation associated with XXXX XXXX # XXXX reported on my credit report including a copy of any viable evidence, bearing my signature showing me that account is bearing reported accurately. Despite the multiple letters asking him for those evidence, they only said that the investigations results was verified as accurate by the creditor. Tired by those answers I decided to send a letter directly to XXXX XXXX CL XXXX and for my surprise my mail being returned from the post office due to an invalid address .Same address that Transunion has in my credit report. So I sent a CL XXXX to Transunion, mention that my mail being returned from the post office due an invalid address. Given that the furnisher ( XXXX XXXX  ) has provided false information to Transunion about me, and provided Transunion with a false address demand that the item they are reporting be removed immediately. But Transunion went back to say that the information was accurate despite the evidence sent.
Product: Debt collection

Conns is reporting a charged off account on my reports that I have been disputing for a while now. 

I sent them a letter on XX/XX/2023 requesting validation of this debt and I have not heard anything back. 

Per the FCRA, the consumer reporting agencies have 30 days to complete their investigation in receipt of my dispute. It has been well past 30 days and have not received any type of communication back. 

How are they able to report this account on my credit reports as valid when they have not responded or provided any valid proof to me? 

I am requesting that this account is deleted from my reports as they are in violation of my rights as a consumer to have accurate and valid information on my credit reports and right to dispute!
Product: Mortgage

Issue : Wells Fargo will not give me a copy of my application. 
Events : XX/XX/2020 : I submitted an application online. XXXX XXXX XXXX stayed on the phone, to provide support for the process during this 1.5 hr process. When the application was submitted, I did not get a copy automatically. It was not available on the " loan tracker. '' The loan tracker is not updated and inconsistent with emails and conversations with the banker. 
Banker referred me to his supervisor, XXXX XXXX : he did not get a copy for me. Finally, I was referred to the Executive Office : Wells Fargo can't give me a copy : the bank maintains the data in  their " system '' but can't save, print, fax or email a copy. 
Note that I have multiple accounts with Wells Fargo and in fact, I have an existing HELOC with XXXX balance and the draw period ends in XXXX. I have excellent credit. I put 1.5 hours into completing the application : it is my data and my work. If XXXX. declines, I can use the collected data to apply to another bank.
Product: Vehicle loan or lease

I acquired a vehicle from abc motor credit financed by dbs financial, I was given XXXX days to make a XXXX $ payment but the vehicle was taken the next day to XXXX XXXX and I live in XXXX. After speaking with the company ( Dbs financial ) I was told that the tow would be XXXX $ or XXXX $ to retrieve my belongings from the car I didnt have the car a month and the vehicle had never been serviced the young lady that worked for dbs stated to me that it was my fault for buying a lemon ( quote ) now they are stating I owe XXXX for a XXXX XXXX XXXX car with XXXX miles and was not maintenanced. This feel so wrong.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

Received two letters from XXXX stating that my accounts with XXXX XXXX were being sold to a collection agency XXXX XXXX XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with the XXXX credit Bureaus XXXX, XXXX and Experian and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my XXXX report which made it seem like I had XXXX past due accounts instead of just XXXX. XXXX reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} XXXX shows both XXXX accts the same as XXXX but no XX/XX/XXXX accts. 
Experian shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XX/XX/XXXX. I never signed a contract with XX/XX/XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XX/XX/XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the XXXX bureaus as they are inaccurate
Product: Credit card

I was involved in a sophisticated online scam involving a company called XXXX. XXXX  we made to a third party in this scam, promising repayment. It was presented as an online remote job. The alleged third party never received any money whatsoever and statements were provided to Synchrony Credit Card XXXX XXXX XXXX XXXX ) from the party whose email address was used without her knowledge. These payments went through Paypal on that Synchrony Card. I have disputed the charge 4 times and 4 times Synchrony sided with Paypal. When XXXX investigated ( their card was used also ), they agreed that it was a scam and erased the charges from my account. The Ohio AG 's office agreed that it was a sophisticated online scam via email communications with me and these were also submitted to Synchrony along with Chases determination that they were fraudulent charges but to no avail with Synchrony. I have since discovered that Paypal and Synchrony have a long standing affiliation with one another and I don't believe that they will go against Paypal on this issue. All of the attached files were sent to Synchrony to no avail either. I believe they ignored them. Please intervene in this situation if possible. Thank you for your time and consideration in this very important matter to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account reported on my credit report that should not be. According to the statute of limitations in the State of Texas, creditors can not report an account if the account is older than 4yrs. This particular account in the amount of {$1400.00} was closed back in XXXX  and the creditor is just now try reporting. Creditors has the right to contact me directly to resolve, but they do not have to right to report on my credit report if account is older than 4yrs. old.
Product: Student loan

In XX/XX/XXXX, I lost my job and immediately completed an Income Based Repayment request showing XXXX  income. I received an email from Navient, my federal loan servicer, stating that my payment would be {$0.00} beginning on XX/XX/XXXX. Upon logging into my Navient account online, they showed a balance of {$7.00} due XX/XX/XXXX.

I called customer service and spoke to a representative by the name of XXXX who said that the {$7.00} charge stems from a late fee. I show no record of ever making a payment late, so I asked when the fee was assessed and for the amount. He said that the fee was assess XX/XX/XXXX. I explained to him per what I was seeing on Navient 's website that a XX/XX/XXXX payment was made timely. After 45 minutes of being placed on hold, XXXX  came back to the line and then said that the fee was assessed by a previous loan servicer -- not by Navient. Again, I asked when the fee was assessed and the total charge of the fee. He placed me on hold for an additional ten minutes and came back to the line stating that he didn't have the information since it came from a previous servicer.

I asked to be transferred to a supervisor. After a 15 minute hold, I was transferred to XXXX, a Navient customer service supervisor. She said that XXXX   charged the fee ( I do not recall XXXX  ever servicing my loans ). Again, I asked when the fee was charge and for the amount. She could provide no information, and said instead that the " back office '' of Navient would have to investigate this further and get back to me. She indicated that Navient took over my loans in XX/XX/XXXX so this fee stems from some time before XX/XX/XXXX. It's now XX/XX/XXXX. I never recall being late on a payment. And now I find out that I've been paying a late fee for 7+ years that I never knew about.
Product: Debt collection

I have reviewed my Credit report and found several account unrecognized items from your office ASSET CARE LLC # XXXX, # XXXX, # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.
Product: Credit card

For the past few months, I was trying to use the American Express ShopWithPoints option on XXXX. I noticed that for whatever reason, my Amex Blue card was no longer registered in the XXXX program on XXXX. I have had my Amex Blue card for almost 26 years and this was never a problem in the past. Every time I tried to re-link my Amex card with the program, I got the following error from XXXX : An error occurred while trying to enroll your card with XXXX. 

I finally decided to call Amex this evening ( XXXX ) and they ( agent XXXX ) informed me that the Pay with Points programs were removed from my card on XX/XX/XXXX, as my XXXX card is a legacy card. 

I indicated to XXXX that I never received notification of this pending change to my card. While chatting with XXXX, I researched online and it appears many other cardholders were also caught off-guard by Amex with this change. I asked XXXX to be transferred to a supervisor and so she transferred me to XXXX. 

XXXX mentioned that Amex put out a communication in the XX/XX/XXXX statement that the Pay with Points programs were going away. I informed XXXX there is no way I would have known about this upcoming program change because Amex has not been properly sending me my paper statements. Well over a year ago, I called Amex to complain that my paper statements do not have the correct delivery address printed. In Amex 's system, my address appears correct, however, when they print the statements ( which I can see in the PDF files ), they are truncating my street name, and thus the Post Office is returning the statements back to Amex. Amex previously confirmed they were receiving the statements returned, and that they would fix the issue, but til this day, Amex still have not resolved the problem and I am still not receiving my paper statements. While chatting with XXXX this evening, I pointed out to him that if he goes to look at the PDF of my XX/XX/XXXX statement, he will see the address is still incorrectly printed, and he confirmed as such. I have lived in my home for over 11 years and have no issues receiving mail from any other company. 

Given Amex 's negligence in fixing the postal delivery of my paper statements, I never received the communications in XX/XX/XXXX or XX/XX/XXXX that the Pay with Points program was ending, and as such, I did not have the opportunity to redeem my points with those programs. I am now left with Amex 's current and diminished value redemption options, which will force me to use more points and get less value. 

I have screen captures of my entire chat with Amex, should they be needed for this complaint.
Product: Student loan

My school acted in violation of a court order when they charged tuition. As a result, Columbia University settled a class action lawsuit. Now I am certain I should not have been charged tuition by this organization, though now I am burdened with overwhelming student loan debt anyway. My tuition should have been based on my financial need. Case Number : 1:22-cv-00125 United States District Court Northern District of Illinois Eastern Division XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX  et. al. 

I would like to know if I should still pay these fraudulent loans.
Product: Debt collection

In XX/XX/2017 I received a notice in the mail about an attempted collection debt from XXXX XXXX. I wrote back stating that I had no knowledge of the account or the debt and I asked for debt validation. I was never sent any proof of the debt actually belonging to me or a response from the collections company. I reached out to XXXX XXXX  who let me know they had no knowledge of a debt being owed to them. Ive never had any services with them or the company who previously owned the services. I received an email this morning letting me that a collections account was placed on my credit report. I would like this to be deleted immediately and permanently!!! I have no knowledge of this debt
Product: Money transfer, virtual currency, or money service

In regards to the transaction on XX/XX/2022, {$280.00} sent to XXXX XXXX ( XXXX ID XXXX ) was an unauthorized transaction. I mistakenly filed a dispute through Paypal claiming the product was never received, but it was an unauthorized transaction. There is no way for me to change the reason that I filed the dispute.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXXXXXX Balance : {$4500.00}.