23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously filed a CFPB complaint on American Education Services of XXXX, PA concerning the incorrect report of past-due or delinquent payments on my daughter 's student loan account with them, for which I am the co-signer. 

The issue in question involved AES 's inappropriate payment application of payments I made from XX/XX/XXXX to XX/XX/XXXX to my daughter 's student loan account when they should have been posted to my co-signer account. At the time I made the payments, I didn't know ( nor was I informed by AES ) that I had a co-signer account number different from my daughter 's number. 

After my first CFPB complaint, I received a letter of dispute findings from the Office of Consumer Advocacy at  Pennsylvania Higher Education Assistance Agency ( PHEAA ) dated XX/XX/XXXX. PHEAA conducts student loan servicing operations through differently named companies, one of which is AES. A copy of this letter fro

m PHEAA has been uploaded. PHEAA, in
their XX/XX/XXXX letter to me, seemed to indicate to me that AES had corrected the application of the payments I had questioned and actually indicated that my account was now in a paid-ahead status until XX/XX/XXXX. PHEAA also noted that AES had submitted updated information to the consumer reporting agencies to which the negative information had previously been reported. That was great news as it was exactly what I hoped to hear. 

Nonetheless, in a different letter dated XX/XX/XXXX, AES informed me that they had researched the relevant account history and documentation of my credit dispute and concluded that the negative information they reported was accurate. This XX/XX/XXXX AES letter totally contradicted the prior XX/XX/XXXX letter from PHEAA. A copy of AES 's XX/XX/XXXX letter has also been uploaded. 

My problem with all this is that I am currently attempting to obtain a mortgage loan on a new house that is under construction. The derogatory remarks made by AES on my credit have lowered my score just enough to put me at a level that increases my quoted interest rate by as much as 50 basis point. Please help!!!!!
Product: Credit card or prepaid card

I accidentally missed making my bank deposit while in a fog due to a XXXX  injury and I bounced the payment to my XXXX store credit card. I expected to pay a late fee and possibly a fee for the payment being returned and to their credit I believe they removed the fees however they raised my minimum payment from just {$30.00} all the way up to {$160.00}. That {$160.00} remained even after the man said he removed the fees, he said there is nothing they can do about it. I do not understand how they can remove all the fees and my minimum payment remains at XXXX times the amount. I live mostly on a fixed income and a hike like this is impossible to overcome I do not understand how it can be legal.
Product: Debt collection

an dispute was initiated XXXX XXXX in the amount of {$7700.00}. I have already attempted to resolve this issue directly with the creditor and requested corrections, but the inaccuracies remain unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to remove a fraudulent credit card names XXXX XXXX from my credit report and it has caused me to get denied for personal and business credit. 
Experian has also refused to remove the false late payments for XXXX XXXX XXXX  from my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. 
TransUnion, please delete the following accounts : XXXX, {$340.00}. DEPTEDXXXX  {$3500.00}. DEPTEDXXXX {$3900.00}. DEPTEDXXXX, {$4200.00}. DEPTEDXXXX, {$3900.00}. XXXX, {$0.00}. XXXX XXXX, {$0.00}. XXXX  XXXX, {$500.00}.
Product: Credit card

On XX/XX/year>, I was notified that an order I had placed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, {$870.00} with order # XXXX ) ) would be arriving to my house from XXXX, Arizona via XXXX with tracking number XXXX. To my surprise the order was never delivered. When I tracked the order, it reflected that there was an " Address Correction '' issue, and the order was being returned to the sender. I called XXXX XXXX customer service and spoke to an agent named XXXX who told me that the order would be reshipped to me for a {$66.00} charge. When I protested, she stated that was my only option. I refused that option and requested a refund. She stated she couldn't refund the order until it was received by their warehouse. 
On XX/XX/year>, online tracking with the carrier stated the order was received to their warehouse and signed by XXXX. I again called XXXX XXXX and was told that they couldn't refund me to my original payment ( XXXX XXXX credit card ) type but could issue me a gift card. I asked to speak to a supervisor and was connected to XXXX. She also confirmed that my refund requested in the amount of {$870.00} could not be applied back to my XXXX XXXX credit card as they could only issue a gift card. 
On XX/XX/year>, I filed a dispute with the bank that issues the XXXX XXXX credit card which is Capital One. I was issued case # XXXX. I was informed that the amount of {$870.00} would be credited back to my account while the dispute was investigated. 
On XX/XX/year>, I received an email from Capital One informing me that my dispute had been denied as XXXX XXXX stated that mattress orders can not be returned as this is clearly on their website. I called Capital One, spoke with XXXX and advised him that I didn't return the mattress as it wasn't ever delivered to me. I let him know that XXXX XXXX would charge me {$66.00} for a new shipping charge and I refused this option. I further advised him that they had the mattress and while they would make an exception to their no return policy they could only issue a refund in the form of a gift card. He refiled my dispute and it was denied again on XX/XX/year>. 
Since that time, I have been paying for merchandise and finance charges for an order that I never received nor have been refunded for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thrice requested ( via posted letter and the company 's web-portal ) Equifax remove incorrect residential address information from my credit report and replace that incorrect information with correct information. Since none of the residential addresses on the credit report are correct I requested Equifax DELETE ALL OF THOSE ADDRESSES and replace the deleted information with complete, correct, unambiguous residential address information provided by me via the submitted disputes. Equifax did request details regarding the specific address errors, and that information was also provided via the aforementioned posted letter which was also provided to Equifax in at least one of the two disputes filed via the Equifax web-portal. That same complete, correct, unambiguous residential address information was also provided to the CFPB for shareing with Equifax, who apparently ignored the information given Equifax 's response- which was to take no corrective action whatsoever though the company was spoon-fed the correct information.
Product: Checking or savings account

My wallet was stolen And I reported XXXX was off my account I reported it But chime got the whole dispute wrongly They didn't give me my money back Managers are liars I need u to investigate my account The first day I noticed this the customer service supposed to make a dispute but he didn't now I lost my jobs children and my new car from his mistakes
Product: Credit reporting or other personal consumer reports

TransUnion recorded an eviction filing XX/XX/year>. I paid the landlord through their lawyers office and in return theyve provided me with a satisfactory letter. It has been 5 years and I am asking for the eviction to be removed as they stated that it would not affect my credit. Payment and satisfaction letter was finalized on XXXX
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance to FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transaction by me the consumer. This block is is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself. 


XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX  Account # 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
Product: Debt collection

Attempted to apply for a new apartment but was denied due to outstanding balance with my former apartment. I did not know I owed apartments until I attempted to apply for new apartment. I've lived in other places and it was never brought up. Beginning around XX/XX/19 contacted collection agency to attempt to settle debt of {$1400.00}. Have made several attempts to PAY to settle but have not been able to due to lack of communication between collection agency and former apartment, per the collection agency. My most recent call to collection agency on XX/XX/19, my representative states he has not heard back from former apartment to settle. On that same day, XX/XX/19, I Contacted former apartment, spoke with a representative, states they have not received any correspondence from collection agency regarding my attempt to settle debt.
Product: Debt collection

I have multiple times over the past several months written to RESURGENT/LVNV FUNDING to request Validation of Debt. They provide a balance, but no information as to how the balance was reached.
Product: Credit card or prepaid card

The no show policy was not honored by XXXX and I disputed the purchase. 
Chase has sided with the XXXX and closed the dispute and charged me full amount. 
According to the terms of purchase ( which I am going to attach see circled content ), no show at the hotel would result in only the first day 's charge. But I was charged for all the days.
Product: Credit card

I have TD Convenience Banking checking account and applied for and received TD Cash credit card. The first full cycle was XX/XX/2023 for this card. 

In XXXX I set up " Auto-Pay '' to ON for minimum due on my credit card. My payments are due on first of each month. Auto pay is active since XX/XX/2023. 

On XX/XX/XXXX I noticed Auto-Pay did not go through and {$29.00} late fee was charged. When I log into the app it says Auto-pay has been active since XX/XX/2023 and there is enough balance in my checking account for this payment to have gone through. I have screen-shots from the app available if needed. 

On XX/XX/2023 around XXXX I called TD Banks customer service rep and spoke with " XXXX ''. I mentioned the issue and her answer was that due to a software patch the payments were'nt set up in their system. Yet I can see in the XXXX  app that Auto-Pay is still active and ON. 

This seemed troublesome to me as no mention of this was made by TD Bank in any form of written communication prior. 

XXXX then transferred me to her supeervisor " XXXX '' upon my request. XXXX told me the same thing that a software update effected everyone whose payment was due at month end. 

Since 100s or 1000s of consumers may have been impacted by this, I feel its necessary to report this. TD Bank should have sent a letter informing customers that Auto-Pay for minimum due would not have worked due to this software update error. 

My opinion is this is a form of late-fee harvesting and needs to be investigated. I am available to provide corresponding screen-shots and my notes from discussion with representatives of the bank. 

Thank you.
Product: Credit card or prepaid card

There were unauthorized charges on my BJ 's - Comenity Capital Bank XXXX on XX/XX/XXXX in the amount of {$4800.00}. I called the credit card company to report this on XX/XX/XXXX when I noticed it. The card was cancelled and a fraud case opened. I have been told that could take up to 3 months to resolve. The amount of the fraudulent purchases were removed from my bill. In the meantime they were doing a system change and no one could get into my account. Somehow they accepted my payment that I owed but added late fees and interest even though I was told not to pay until I received a paper bill. I could not access my account online. I called regarding the fees and was assured they would be removed. Not only did that not happen, more has been added. I have spent endless hours on hold trying to resolve this issue. I do not want my credit impacted as I have been a good customer and have always paid in full and on time. I have been without a replacement credit card for two months and as of today they still can't issue me one as they can't get into my account. I am missing out on the 5 % payback I am due which was the reason I applied for this card. I have gotten no satisfaction from the bank, they just ask me to be patient and it will someday be resolved.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has taken these actions on my credit report after I filed for a complaint. They reported late payment on the disputed Charged off Closed account as vindictive act without responding as I have filed a complaint with FCRA and provided a copy of all mistakes they have reported on my credit report and according to the rules and laws their reporting has to be 100 % accurate the dates are not accurate the type of loan reported not accurate the The balance and the amounts are not accurate as they received from the Gap insurance their money and reported XXXX balance to XXXX took tax credit by their reporting fraudulently without claiming the money they received to continue receive Tax credit with Charged off now you want to claim late payment on Closed account? REALLY? I will sue you all for slandering my credit You are to remove and delete your slander immediately. 
There is a complaint filed with the XXXX and this account has been disputed You reported that I have never disputed your fraude and your bullying is only good for a good court case! and this should go public so everyone else who you are bullying should know about your corruption! 
I have attached their late payment XXXX late payment on closed account that is false!!!! they you go another false statement. 100 % accuracy which you failed cause a liar can't tell truth! 

See attached evidence for false reporting which is grounds to for immediate deletion
Product: Credit card or prepaid card

To Whomever This May Concern : My name is XXXX XXXX and I have had my card with Discover for the last 7 months. I have never had a late payment at all. I have tried to manage that card responsibly. It was a secured card until last week. Last week, I received an email stating that my security deposit of XXXX was being returned to me, but my credit line will remain the same. At that time I applied for a credit limit increase and it was denied. I wanted to make sure that I had extra credit with all that is going on with Covid-19, just to have extra security. Thankfully our jobs haven't been impacted. I just received a letter email stating that there is insufficient experience with current discover card credit limit. I called the operations team to find out what they meant by that and the lady that I spoke with was very vague and was unwilling to help. The last thing that I wanted to do was submit a complaint, but no one is giving me more or any additional information on this issue.
Product: Vehicle loan or lease

On Saturday, XX/XX/XXXX I contacted XXXX an online car retailer about a XXXX XXXX they had listed for sale. I was quickly placed into the approval process and was approved for a used car loan through Capital One at a decent rate of 3.8 %. I was offered GAP insurance at the time but I declined. About a half hour later, I received a second phone call from a different XXXX representative telling me that they had taken a closer look at my application and that Capital One came back and said I could have 2.5 % interest on my loan if I agreed to purchase a {$790.00} GAP insurance plan. Again, I declined stating that I really didn't like GAP insurance and felt like it was a waste of money ; however, the agent fought with me and kept pressuring me that this would save me money. I finally conceded and asked that he please email me the details of both offers so i could do the math to truly see if the lower interest rate and GAP plan would be less expensive in the long run. After running the numbers, it was so I emailed them back and said I would purchase the GAP plan so I could have the lower interest rate. After thinking about this whole transaction, I really felt like I was either targeted because of my good credit score, or potentially because I was female but I definitely felt pressured and thought something could be very wrong with this practice. If so, I wouldn't want it to happen to anyone else.
Product: Mortgage

I was paying my mortgage payments regularly to Lender Live/ XXXX XXXX XXXX since 2015. I was dividing my payments into {$680.00} twice a month because it is easier for me to budget that way. All was going well until ( read on ) : XXXX XXXX and XXXX XXXX I made XXXX payments of XXXX and it was applied to XXXX XXXX. 
XXXX XXXX ( my bank sent out XXXX payments by mistake and said my payments were on automatic which they were not ) and XXXX XXXX - XXXX payments of XXXX were to be applied to XXXX XXXX XXXX XXXX and XXXX XXXX I paid payments of XXXX each to be applied to XXXX. 
In addition, on XXXX and XXXX I made additional payments of XXXX and designated exactly how these chould be divided to try to pay off a little bit of my loan early. 
One of my XXXX payments went directly to T+I and my XXXX went to T+I. I had to call them to ask them to apply them appropriately. The lady I spoke to said that never should have happened. The payment of XXXX was reapplied but again to XXXX which I had ALREADY paid. When this started happening, they promptly sold my loan to XXXX who is telling that I am arrears for a payment. 
I sent a registered letter to XXXX XXXX asking them to send me past statements ( which I can no longer access online ) so I could try to understand what had happened and they sent me XXXX sheet of paper with XXXX lines on it with T+I balances on it from XXXX and XXXX. They did not send me the statements. Luckily, feeling that something was amiss, I did happen to do a print screen for these months I am talking about but you can not tell that payments were sent to T+I. The error from XXXX is on there. 
I am tired of trying to deal with XXXX/Lender Live and I a tired of trying to tell XXXX that my payments were caught up with LenderLive and I should owe them NOTHING in arrears. These places are just too big for me!! 
I hope you can help. 
Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

I checked my credit reports on XXXX2020 and found a collection was placed on my report. I contacted Paramount Recovery Systems.They could not give me any information the debt over the phone. I have not received any billing statements from this company. I contact XXXX XXXX XXXX XXXX about the amount owed ( {$320.00} ), I was informed by XXXX XXXX XXXX XXXX  that I don't owe them any money at all and they have never heard of Paramount Recovery Systems  or XXXX. They further informed by that they do not sell their debt to collection agencies, they use collection agencies to collect on the debt and the only one they use is XXXX XXXX XXXX  in XXXX, VA. My Attorney sent me a letter to send to Paramount Recovery Systems for the to verify the debt to me. I have attached said letter as I was informed by a Representative of Paramount Recovery Systems that no one was in the office due to Covid 19 and the letter would be return.