23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX XXXX should not be allowed to be on my credit report. They have changed their story so many times and Equifax should know this because they purposely reported a false address and Equifax let them change it knowing full well I have told them the account is fradulent. I am also including the last statement XXXX XXXX XXXX sent me showing an account balance of {$0.00} and XXXX XXXX XXXX has also claimed that they filed a XXXX for the account meaning they have canceled the debt and illegally made me claim it as misc income. In the case XXXX XXXX held in Tennessee, a judge has said that if a company files a XXXX on someone then they are in fact giving up their rights to collect on the debt since a person is being charged taxes on the amount. XXXX XXXX XXXX is another thing that should not be showing on my credit report, not only did Equifax claim it was not on my report, this account is also fradulent. By XXXX own representative 's statement, XXXX was in control of the account the entire time and that is why their representative does not have a record of the settlement on file. The representative also claims that the settlement agreement was done with XXXX and per the settlement agreement, that I have sent Equifax multiple times, this debt can not be collected on, no matter if XXXX thinks it is mine or not. Lastly, XXXX XXXX is also a fradulent account. I do not have any bills or documentation but I will send a picture of my wedding ring, the only jewelry I own and send it to the bank and ask them if that is the jewelry, if not then they need to be removed from my report. With all this information I have presented you and sent Equifax a certified letter, if they keep backing the illegal activities of these banks then I will name Equifax in my lawsuit as soon as the 30 day window is up. Equifax is required by law to block any false information or fradulent accounts and they have refused to do so. I know I will have no issue wining and Equifax will be held accountable.
Product: Student loan

I was contacted in XX/XX/XXXX from a company called XXXX XXXX. They claimed to receive information from Navient about my existing student loan and wanted to offer assistance through the XXXX XXXX XXXX XXXX. I had an existing student loan balance with XXXX XXXX from my previous degree, and I specifically asked if I was able to quality through them since I had already paid several years with them. They clearly said no and that they would be able to help me with the Navient accounts. I stated I would look into it and thought I did need to do something about my loans but I had NOT yet submitted any paperwork. Shortly after, my XXXX student loan was consolidated to Navient. The consolidation forms were electronically signed and dated on XX/XX/XXXX ( not by me ). My loans were then immediately placed on forbearance. As time passed, I was unaware of what was happening, I contacted XXXX and they stated I needed to sign and submit certain paperwork to continue with the process, however, I did not submit and sign paperwork until XX/XX/XXXX, yet all was done back in XX/XX/XXXX. Today, XX/XX/XXXX, I contacted Navient to find out what was happening with my loans and why I was being charged {$82.00} a month from XXXX XXXX, they did not know anything and were not able to provide me with answers, I was asked by the Navient representative to contact XXXX XXXX. I contacted XXXX XXXX XXXX after my phone call with Navient, and I learned some more disturbing news. The representative from XXXX I spoke to stated clearly that " they had screwed my account '', I was able to qualify for the public service loan forgiveness through them and they would have taken my previous payments into consideration, something that I was told I could not do. I'm very upset and confused on what is happening with my account. 

I do want to stress that in no way is my complain against XXXX XXXX, they have been the only ones to be able to help me and answer my questions. This complain is against Navient and XXXX.
Product: Debt collection

On XXXX XXXX,2017 I received a phone call from IC Systems very late at night. I would say like XXXX XXXX.
Product: Debt collection

I have been receiving demands from Midland Credit XXXX for many years. A considerable time ago ( probably at least 10 years ) I told them I had no knowledge of any outstanding debt and told them to send me details of their claim by mail. 

I clearly recall telling them that all further communication must be by mail, and that specifically they may NOT attempt to contact me at my work or through my family members. 

Several months ago they called my daughter looking for me to discuss " a credit issue ''. 

This morning at XXXX XXXX I answered a call that announced itself as being " on a recorded line '' at work where a male employee from XXXX asked to speak to me regarding " a personal matter ''. I did not admit who I was and told the caller I no longer worked there in an attempt to forestall further calls. 

Whilst the caller did not disclose the actual purpose of the call, it is obvious from " recorded line '' and " personal matter '' and finally from a XXXX search on the caller ID phone number, XXXX that this is an attempt to collect a debt. My employer has a strict policy about receiving personal calls at work and I have been in trouble about this with them before. 

I am reluctant to communicate directly with XXXX as i have read horror stories about them getting people to inadvertently " admit '' liability for non-existant debts. However I am tired of being persecuted in this way and would like to know how to stop the harassment and also how to prevent them selling my contact information on to other abusive debt collectors.
Product: Credit card or prepaid card

A former friend opened a credit card with Discount Tire through Synchrony Bank and fraudulently used my phone number as well as her own on the account. She has not paid into the account and it's past due so now I get automated calls from Synchrony 3-6 times per day on various numbers as they attempt to collect a debt that is not mine. The card is not in my name thankfully but my phone number is on her account when it has no right to be as I did NOT give my permission to do so. 

I called Synchrony and they claim they can not remove it. That the cardholder herself has to call to do so despite that its MY number. She will never call as she owes them money. They refuse to stop calling me on a debt that is NOT mine. 

It interrupts my work and personal time and if this continues, I will be forced to change my number.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

On XX/XX/XXXX, I logged into my account online for Global Lending Services because I wanted to payoff my loan in full. When I logged in, I started noticing issues with their online system, continuously getting timed out, receiving error messages etc. I was finally able to view what my payoff amount was and noticed that there were messages on the account stating that I was not paying on time, which is untrue. The account was set up with auto pay since XXXX and has been drafted consistently. Further, my account shows current on my credit report except for two or three payments that were late due to lack of employment back in XXXX, but the lender was made aware and granted me a two month extension, which I then paid when I obtained employment AND set up auto pay at the same time with an agent back in XXXX. GLS 's system has been applying my payments incorrectly at a month behind and charging late fees every single month since XXXX - despite the payments never being late and them applying the payments incorrectly. I was told today that I needed to pay an additional {$120.00} in order to bring my account current - despite paying the monthly amount that is due in full every month since XXXX, and that I wouldn't be charged anymore late fees, but that they wouldn't wave any of the fees, which totaled out to XXXX XXXX since its been since XXXX that they have been applying my payments incorrectly. The auto pay has always been drafted on the correct due date, which is the XXXX of each month, but their system has been applying it to one month previous leading to late fees. Further, their system shows me that there is a single payment pending from XXXX that they claim went through but on my end the system shows it never did and is pending which leads me to believe that there are issues and inconsistencies with their billing systems and online systems and that the information they have is likely inaccurate and led to them applying my payments incorrectly. They refused to waive any fees and I am prepared to payoff the loan but would like this very alarming issue involved with them charging late fees when they shouldn't. I can provide screenshots and copies of my credit report where it shows that I have been paying on time, and can provide screenshots of the pending payment i see on my end from XXXX. This lender is untrustworthy and it is very alarming that they are able to charge late fees when customers are not even late making payments or applying payments set to auto pay to a month behind to charge fees.
Product: Consumer Loan

Reference Account Number : XXXX XXXX XXXX I got behind on my car payment ; Ally Customer Service Agent XXXX XXXX ( ex XXXX ) told me the amount to be paid {$880.00} to stop the repossession. XXXX XXXX told me to make the following payments via XXXX XXXX : XXXX XXXX, XXXX {$800.00} paid via XXXX XXXX XXXX XXXX, XXXX {$340.00} ACH from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$88.00} ACH from XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I was leaving for work a man in a XXXX car was outside my house taking pictures of my car. I thought that was strange so I checked Ally 's app, it indicated I still owed the {$800.00} and the additional payments were canceled but withdrawn from my account. This is not the first time Ally has misapplied payment and/or told me I owed but had already made payments. From the start of this car loan I 've made bi-weekly payments of {$170.00}, Ally continues to call multiple times a day prior to the second payment being made. I 've asked them to put notes on my file indicating the by-weekly payment, but to date they have not done so. Now they are saying that I owe {$920.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX XXXX XXXX regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( XXXX, Equifax, & XXXX  ) stating theres a 30-days delinquency reporting for XXXX XXXX XXXX. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account. 

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19.

The CARES Act places special requirements on companies such as XXXX XXXX XXXX, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$100.00} ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$75.00} ; CXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$100.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX : XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

i am filling a complaint against cash app ( block inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the ELectronic fund transfer act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and i seek approprate redress for these violations.
Product: Credit card

I would like to file a complaint against BBVA Compass Bank for taking an application that was never going to be approved based on a policy that they do n't disclose when taking applications for credit cards. I applied for a credit card when I already had 1 and the limit is only 1 but I did n't find out at the time the application was taken and was not told they only allow their customers to have 1 card. The person taking my application did not inform me and knew at the time I had one but proceeded to process it knowing I was not going to be approved. I fee that I should have been informed of the policy at the time of the application so that I would not have wasted my time or a pull on my credit. I think that is deceptive.
Product: Debt collection

This is for a Cable company called XXXX who made it nearly impossible to cancel. ( i.e. insisting that I call with long wait times, and constatnt disconnects, no chat or online account portal is available to cancel ). I returned my equipment thru their cahannels before a new month was started. I had to secure Support thru their XXXX account and have them close my account. I have the confirmation but they never apparently closed it formally and still continue to send me bills. I appealed to them again to tell them to stop sending bills - that the account was closed... And then today I get a letter from a collection agency. Here is a paste of the whole support conversation that confirmed that the account is closed - and in time to not incur more charges. 

Attached in PDF below is the actual support conversation thru XXXX.
Product: Checking or savings account

I was denied a bank account and noticed that early warning has all my bank information inaccurate with old account that is not mine bank account .I called and request a consumer credit report from them and my information within there date base is incorrect I wrote a dispute letter to early warning .I receive a email me back from early warning all account are reporting accurate. Early Warning have violated my consumers rights by having my information without my consent.
Product: Debt collection

I had leased an apartment in which the lease was up. The apartment complex is the XXXX XXXX XXXX. I had paid my final utility bill and final rent. Most rental places take your forwarding address, or your information you had given them. And attempt to reach out. I had to turn my keys over to one of the leasing agents that I had words with prior to leaving. This was in XXXX. I have had no correspondence with the company since. No phone calls, emails, or mail. I had even had my mail forwarded from that address so the could Have sent a letter if they forgot my forwarding address. I woke to an alert that I am reported to a collection agency by the name of Hunter and Warfield. They have not attempted to reach out to me so I have no idea what I am paying.
Product: Student loan

On XX/XX/22, I received a letter from the Department of Education XXXX XXXX XXXX indicating that my Student Loan Consolidation was approved and that the TOTAL Indebtedness was {$22000.00} and was being Consolidated from a Private Student Loan Held by XXXX XXXX ( which had been transferred from Nelnet a month prior ). On XX/XX/22 ; I received a letter from Nelnet indicating that the loan was completed and that they were now servicing this loan with a current balance of {$22000.00}. 
In XXXX XXXX, I was surprised to see that Nelnet had not XXXX, but XXXX Loans now listed on my credit report with a total balance of {$44.00}, XXXX! Somehow ; Through this Loan Consolidation, I now had more than DOUBLE the XXXX. I have only ever had XXXX Student loan and Nelnet Was my Loan Servicer for several Years prior to Transferring it to XXXX XXXX shortly before I applied for Consolidation. 
In Reviewing My Nelnet account, they now have XXXX loans, XXXX is a XXXX XXXX  XXXX for {$22000.00} and the other is a XXXX XXXX XXXX  for {$22000.00}. 
I have attempted to contact Nelnet to correct this error, several times both through e-mail and XXXX, with no response. I have also tried to call several times, and just get a message that due to extremely high call volumes, I should try my call at a later time. 
I am Attaching all of the pertinent information
Product: Student loan

Per the Consumerfinance.gov, Mohela is willfully ignoring the LAW and failing to report the number of payments made over the years and adhering to the guidelines for loan forgiveness. Borrowers who have reached XXXX or XXXX  years ( XXXX or XXXX  months ) worth of eligible payments for IDR forgiveness will see their loans forgiven as they reach these milestones. ED will continue to discharge loans as borrowers reach the required number of months for forgiveness. All other borrowers will see their loan accounts updated in XXXX. My loan was originated in XXXX with repayment beginning in XXXX, which means the loan should be forgiven after 20 years. Not to mention the companys response did not include previous payment history from different servicers. THIS LOAN IS PREDATORY AND I DEMAND THE REMAINING BALANCE IS CANCELED.
Product: Credit card

In XX/XX/XXXX, I was " sold '' a medical line of credit by my dentist called " Care Credit ''. The line of credit was for a dental procedure for my XXXX children. This was the only charge ever on this account. It was opened specifically for this procedure. I was told that the credit was interest-free for 12 months. I have paid the full, original charge. Today, XX/XX/XXXX, I was notified via email of a {$9.00} late payment. I called the credit card company, now called Synchrony Bank, and ask them why I was late? According to them, I still owe XXXX {$300.00}. As it turns out, my card is not actually interest free for the first twelve months, but interest deferred. Therefore, I am now paying the accrued interest for the first 12 months at almost 30 % interest. That is the only amount I owe. I requested that they charge me interest on the portion of the monies owed to them after the initial 12 months interest-free period expired, not the original 12 months since the card was sold to me as 12 months interest free, but they refused. Every month I am emailed an invoice summary telling me just the amount that is owed and the minimum payment due. Nowhere on these emails does it show that the interest is accruing over the first 12 months and will be deferred. I also spoke to a supervisor. The supervisor told me that it is my responsibility to login to their web site XXXX as their emails do not have any information on the deferred nature of the interest ) in order to read their terms. I told her that expecting to log on to examine changes from what was sold to me is not transparent behavior. She told me that I should not have signed up for online statements because I would have otherwise seen the deferred interest accruing on the paper statement. She also called the first 12 months interest free while I was on the phone with her and then went on to say that on the XXXX month I was charged the deferred interest. I explained to her that interest free and interest deferred are XXXX different things, but she insists that what they are doing is the same as interest free. The supervisor 's name is XXXX with ID # XXXX.
Product: Checking or savings account

CitiBank has ignored my repeated requests to close my checking account. I instructed Citi to close the account after my final check cleared last XX/XX/XXXX. After I brought my balance to zero and expected closure, Citi insisted on keeping the account open so it could impose a {$25.00} low-balance " maintenance '' fee on the account, plus a {$34.00} NSF fee to punish me for Citi 's erroneous maintenance fee. This is predatory fee-churning at its worst!
Product: Student loan

I started graduate school in XX/XX/year>. My student loans should have automatically been placed on Deferment due to my XXXX XXXX that Aidvantage can easily verify. They have taken over {$3000.00} from me since school started. I am beyond upset. Who just has {$3000.00} to spare while they're in school? Why am I being forced to pay {$1500.00} a month while I am in school?! I have contacted them via phone and through their live chat services. The most recent call on XX/XX/year> ended with them saying that I was never in deferment in the first place. Deferment is an automatic process that they list out in their web page. I do not attend an unknown private school. I attend a state university so they can easily verify that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suddenly got a late payment delinquency report made by Discover Bank from my credit bureau -XXXX , in the first week of XXXX. I called Discover Bank, right away and upon checking they apologised to me, and I was told that if I make the outstanding payment of {$220.00} ; the late payment report will be removed, and that I should dispute it with XXXX  so that they can support it as well. But the agent I spoke to lied to me. 
When I reported this, they reported back to XXXX  that the report was valid. This is why I am now making this complaint. 

I was pretty much shocked and found it unbelievable because to my knowledge I had set up a payment plan with them not too long ago when I had called about the impact of the pandemic and the need to have my interest rates reduced. The outcome of that call about two months ago was that they told me there was a pandemic hardship program that will help to alleviate that problem. 

But, from what I can gather, they were more interested in getting me to delinquency, because in the next billing cycle, they just suddenly report me delinquent with no credible explanation. 
This action had also damaged my credit report thus making me further unable to make payments or get loans. As a direct result of this problem, they caused my APR to rise to over 15 percent when trying to get a loan, something that used to be around 6 percent before the incident. Thus, the damage that Discover Bank had created is insurmountable. 

When this was happening, I also experienced a cyberattack against my accounts where some random payments are being transferred around and this Discover Bank situation is therefore also suspicious because it was as if someone was attempting to deplete my accounts of funds. 
So, I find it hard to believe that this payment issue is a random issue ; because ( s attached ) I have never had a late payment before. And then right in the middle of a pandemic, all of a sudden in XXXX, I get a hasty report of delinquency? Really? 
No, something is definitely fishy about this.