23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

PHEAA decided to take it upon themselves to approve a Forbearance that I never requested or authorized. The details of this forbearance are extremely vague and if it was something I never requested, then they should not be approving things never requested by a borrower/co-signer. This raises some major red flags that people within the Agency are going into borrower accounts and doing things against the wishes of the borrower/cosigner. Any prolonged forbearance or deferment will not be requested by borrower or cosigner for this account for the remainder of the loan ( s ). Any approval of any forbearance or deferment that is made by PHEAA is done so without my express permission or consent.

This is an additional example of PHEAAs provocative actions they take against borrowers as a means of vengeance or retribution. 

Dear XXXX XXXX XXXX : We approved a Collection Suspension Forbearance. See below for details on your impacted loans. 
Loan Sequence Disbursement Date Loan Program Owner Name Current Principal Balance Federal Agency XXXX XX/XX/XXXX UNCNS PHEAA SL T {$370.00} FEDERAL TRADE COMMISSION XXXX XX/XX/XXXX SUBCNS PHEAA SL T {$990.00} FEDERAL TRADE COMMISSION Action Type Begin Date End Date Approved Administrative Forbearance XX/XX/XXXX XX/XX/XXXX Approved Collection Suspension Forbearance XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

My sister sent me money through PayPal and her husband disputed the charge in error. It was corrected and PayPal is still trying to charge me and my sister back. PayPal sent me to collections for {$340.00} that I do not owe. 

XX/XX/2023 XXXX agent is XXXX XXXX XXXX XXXX sent me a collection letter. When I call them all they want is the money and will not listen to reasons I dont own this debt. 

My sister nor myself have been credited this amount therefore how could either of us owe anything. 

I've worked hard to not have collections on my credit to have PayPal put me into collections for no reason. PayPal said they see the issue yet they cant get me to anyone to fix it. I have provided all document to proof this is not my debt and they just sent me to collections anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

I TIED TO BUY CAR AT XXXX, THEY GOT APPROVAL FROM XXXX XXXX AUTO FINANCE WHICH ENDED A A LIE. THEY ALSO, PULLED MANY OTHERS I DID NT AGREED TO. SOLF PULLS ONLY
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$580.00} XXXX  XXXX {$280.00} XXXX XXXX  XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting

The following incorrect personal information is on my credit report and needs to be deleted. 

Incorrect Names : XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) Incorrect Social Security Numbers : XXXX ( incorrect ) XXXX ( not mine ) Incorrect Addresses : XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

XXXX, transunion, and XXXX are reporting these inaccurate accounts on my profile.
Product: Debt collection

My neighborhood created a new HOA and came up with dues doubled what was expected. I wasnt able to pay them by the due date but I did eventually get onto the property management website and paid the amount that showed due according to the site, I paid the full amount due. About a week later I received a call from a collection agency, I advised them I had paid via the website. They stated they had not gotten a notice from the property management company did not notify them and I still had to pay it. The following year was paid on XX/XX/XXXX. The email to the HOA President says I still have to pay the collection company even though I paid them.
Product: Debt collection

An unauthorized purchase was recorded on XX/XX/2023 at XXXX. The purchase was for a matte XXXX XXXX XXXX, priced at {$820.00}. I am disputing this transaction because I do not have the credit or the means to buy such an expensive device. My credit score does not qualify me to afford or purchase an XXXX of this caliber. I wouldn't even be able to manage the monthly payments, considering the high cost of the phone and the phone plan. I believe this is either a glitch or an error in the system. In the past, I have attempted to purchase much cheaper phones but failed to meet the eligibility criteria. It is impossible for me to qualify and possess a phone like this according to my credit history. I request that this error be removed from my credit report as it has severely impacted my credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was marked 30 days late in error on my credit report. I received a letter from XXXX that my Selene Financial loan was transferred to XXXX Bank. Since the loan was transferred, I made a payment to my new servicer as indicated on the letter-Shellpoint. Please note the attached check, dated XXXX XXXX2022. 
On XX/XX/XXXX, I was notified by a credit monitoring service that XXXX reported me as 30 days late on my credit. On XX/XX/XXXX, my check was returned ( please see attached ). MY CHECK WAS RETURNED 30 DAYS AFTER THE PAYMENT WAS DUE. 
As per Shellpoint, the check was returned because they didn't fully receive the loan transfer from XXXX XXXX. I am asking that this 30 late reporting be corrected as it resulted from a loan transfer delay. It was not clear as to who to make the payment to and I made the monthly payment to XXXX t prior to the loan being fully transferred. 
This error occurred due to the fact that my loan was transferred from one bank to another and I certainly shouldn't be held liable for this mishap. Had this loan remained with XXXX, this issue wouldnt occur. Since the loan transfer was initiated by the bank ( without my knowledge or authorization ) I am asking for the 30 day late correction on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and the aftermath of this has left me with unauthorized activity involving my credit report. I recently disputed the activity and the credit agencies investigation came back verified. My question now is verified by whom, and when and how. What was the Method Of Verification.  And in accordance with FCRA I'm requesting the details of the Method, or the following inquiries shall be removed immediately. The following inquiries are, 1 ) XXXX XXXX XXXX, ( XXXX ) ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX  XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX  ( XXXX ) 11 ) XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

i need clarification as to why you are reporting certan information on my credit report pleace review the following : XXXX XXXX # XXXX. XXXX XXXX # XXXX XXXX XXXX # XXXX. A collection is buy default ( PAS DUE ) Delete account for inacurate reporting. after you finished my request sen me a copy off my credit report reflecting these changes XXXX, XXXX XXXX
Product: Credit card or prepaid card

I called the customer service number XXXX XXXX XXXX XXXX on the back of the credit card and spoke to a customer service representative named XXXX at XXXX XXXX. on Monday, XX/XX/XXXX. I informed her that I did not request a credit card and I wanted to make sure there was no account in my name. She asked for the credit card number, which I gave her. She then asked for the last 4 numbers of my social security number, which I did not give her. She said that she could not close the account without that information. Since I never opened an account, there should not even be an account associated with my name. 

I received a second unsolicited communication from XXXX XXXX today ( dated XXXX XX/XX/2018 ) providing additional encouragement to use this card, which I did not request.
Product: Student loan

I graduated from XXXX XXXX University in XX/XX/XXXX and then moved to XXXX to begin my career in XXXX as a XXXX XXXX XXXX XXXX in XXXX. When summer rolled around and my student loan payments became due they were more than I actually took home monthly. I contacted Navient and was told my only option was to put the loans into forbearance. Which I qualified for because of my low income status. While in forbearance the loans would continue to accrue interest and I would not be eligible for the federal student loan forgiveness programs because I was not making a payment. This continued from XX/XX/XXXX until XX/XX/XXXX years ago when I was informed by a colleague at work that I could qualify for an income based repayment option. Turned out due to the high cost of living and the low XXXX  salary in XXXX XXXX my payment is {$0.00} per month. As a XXXX in a XXXX XXXX XXXX working full time I qualify for the Federal Public Service loan forgiveness program ; which I am signed up for now. This program requires 120 payments on the loans ( 10 years of paying monthly ) and then the remaining balance will be forgiven. Even a {$0.00} payment qualifies, this program was designed specifically for state and government workers whose jobs require higher education but the salary is typically low. I spent fromXX/XX/XXXX until XX/XX/XXXXon forbearance and none of that time counts towards forgiveness. I am very angry because on several calls I asked specifically for help in the monthly payment and for information on loan forgiveness and was told forbearance was my best and only option. So now I have to continue accruing interest and making the adjusted payment for another 8 years, when if Navient had offered me the program I asked for to begin with, this year would be the end of my student loans. I love being a XXXX but the only way to maintain my license and to increase my pay is with continued education. I have to use the federal loan service to continue my education and advancement in my career. But I have over 100,000.00 in loans and at this point I was not even able to buy a car or to be part of the mortgage when my husband and I bought a home. I was naive in the thought that because it was a federal loan the servicer would want to offer me the best options and I am very angry that this company has put my family into financial strain. I am sure there is no way to get back the time that navient took from me but there should be compensation of some kind at least in the interest amount that was collected.
Product: Credit reporting or other personal consumer reports

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit in order to purchase a house for about two years now. I am finally at the point to purchase a home and have two out of six credit cards that I closed left reporting on my credit report. I have written into the credit card companies, I have disputed through the credit bureaus and I can not reach a resolution. I need help. Four out of six cards were deleted with no problem that technically should still be reporting but for some reason the credit Bureaus will not remove the last two cards and they are negatively reporting on my credit even though theyve been closed for over two years. I am really hoping this helps because I am desperate thank you.
Product: Debt collection

I am not aware of this issue, I have tried to call and communicate with the company, unsuccessfully .I have been a victim of data breaches and have been contacted about someone having all my information trying to purchase a phone online.I don't know if it was someone I know or a stranger. I put a lick on my credit as soon as I was contacted. 
Don't know what else to do
Product: Consumer Loan

I have been called by Wachovia dealers services everyday for the past three ( 3 ) weeks. I have a vehicle loan with Wells Fargo Dealer Services, my payment are approximately {$27000.00} per month, I have been payming {$300.00} permonth for over a year now and they are still saying that payments are late and the I am accrueing late charge, they are also charging me for insurance at {$32.00} per month because they say I do not have coverage on my vehicle. My vehicle is covered with full coverage thru XXXX, and it has been proven them to them at least twice. They refuse to remove monthly charge for the insurance and they refuse to even acknowledge that my payments are not only on time but over the amount necessary. I have just received a call from them again, and I will probably get another one this evening, their phone number is XXXX XXXX. Could you please do something to make them stop the everyday calls and to research their records to see that they are in the wrong not me.
Product: Checking or savings account

XX/XX/23 XXXX an unauthorized charge of {$0.00} was charged onto my card. I called Chase and was transferred around a few times and the representative assured me that all I needed to do was change my card number. I hope this won't happen again. I spent over an hour on the phone to get to the right department. This has been an ongoing issue with Chase. Out of all the banks I have worked with, their service line is by far the worst. And more often than not, I am transferred to oversea agents who can not understand my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a report with FTC about how I can recover from being a victim of identity theft I pay ALL my bills on time and always been a person that I considered to be a reasonable person as well. I filed a police report and was only provided with a report number the FTC told me to file a complaint because If I'm gon na file a lawsuit I'm going to need it. I here asking for help because this matter have been destroying my life and now I'm ready to fight back because It seem like the more account the credit bureau have on your file the more money they will make but in the presses it's destroying American citizens lives. I am also submitting my idenification card to prove my idenitity along with my FTC
Product: Credit reporting or other personal consumer reports

I had taken out a loan for a car through XXXX XXXX  on XXXX of XXXX. I paid the car off completely and on time every month. It did not show up on my credit after contacting XXXX, transunion, XXXX through here they were of no assistance. When I speak with chase they told me that it is up to the credit bureaus to report the loan. I have been stuck and this is a big loan that I have worked hard to pay off. The account number is XXXX. For a XXXX XXXX XXXX XXXX. The account was a total of {$29000.00}. As of XXXX of this year it was paid off.
Product: Credit reporting or other personal consumer reports

I am writing to express deep dissatisfaction with the ongoing presence of fraudulent item on my credit report. After reporting this identity theft, I contacted the company linked to this fraudulent account. While they acknowledged the validity of the report, they cited an inability to provide records. However, they assured me that the fraudulent account would be swiftly removed. It is important to note that both XXXX and XXXX have already removed this account from their records after identifying and correcting an error. I find it baffling that your bureau continues to verify this account when the other bureaus have already removed it XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX bank sold my loan to Citizens Bank. XXXX failed to change my address and transfer my accounts and direct deposits to Citizens bank. 
Citizens failed to communicate the problem with me and payments where made on time on XXXX, but Citizens is lacking of technology to catch that on file and fraudulently send a report about late payments inwhich XXXX had them. Payments were made on time and still they didn't reported them as pay in my credit history. I want the Bank to removed those late fee payment entering so my history goes back to 100 %
Product: Credit card or prepaid card

I had opened a credit card in XXXX of 2022 with a bonus of {$750.00} being promised for completing a {$7500.00} purchase spend withing a given time frame ( Earn {$750.00} in rewards after spending {$7500.00} in eligible purchases within four months of account opening ). 

Having completed the requirement I had called in on XX/XX/2022 and confirmed with an account representative that indeed the requirement had been met. 

In spite of numerous attempts to resolve this non fulfillment of the promised bonus the company still has not credited the promised bonus offer by claiming that a certain purchase had been returned. I had explained that the said credit was processed without my consent. 

USbank did promise to escalate this issue with upper management and initiate a credit as promised yet this has not yet been fulfilled despite the length of elapsed time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple of hard inquiries that I have been trying to have removed. I have tried multiple times. As well as an item on my accounts that is incrrect as well. These items are effecting my chances of getting and building any new credit. These items are incorrect and should no longer be on my reports Inquiries : XXXX  XXXX Account : XXXX XXXX XXXX XXXX Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance
Product: Checking or savings account

On XX/XX/XXXX I opened a new Chase Checking and Savings account, using the coupon so that I would receive a total of XXXX dollar bonus for completing requirements with said accounts. On XX/XX/XXXX, I deposited XXXX via check on top of the XXXX that I had already " deposited '' into the account via bank transfer. On XX/XX/XXXX, I received the bonus for meeting the requirements for the checking account bonus. On XX/XX/XXXX, I noticed that I had not received the bonus for the Savings account, so I called Chase Customer Support. After being transferred to a higher level of customer support, I was told that I did not qualify for the bonus because the XXXX dollars I had previously " deposited '' was a transfer from another bank. I had transferred XXXX from another bank, and then deposited a check for XXXX. Chase does not consider a transfer to be a deposit. I received no warning from Chase that, according to them, I had not reached the required amount for the bonus, even though I had every reason to think that I had. I could have kept this money in a high yield savings account during this time period, instead I earned interest at .01 % in hopes of receiving this bonus. 

The customer service representative said that I met every other requirement to receive this bonus. The only issue is whether this last XXXX should count towards condition # 2, " Deposit a total of {$15000.00} or more in new money into the new savings account within 30 days of coupon enrollment ''. The money was new, as it was from a different bank, and it was within 30 days of coupon enrollment. 

Even if you assume that a transfer should not count as a deposit, which I disagree with, the condition does not explicitly say that I must make XXXX worth of deposits. It simply says to " deposit a total of ''.