23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

EdFinancial is purposefully delaying their refund process but stating refunds could take 6 months to a year for me to receive it. Meanwhile all other student loan providers are expediting the refund process. Not only that, but EdFinancial also refuses to send any sort of confirmation email. The person I spoke with on the phone also spread purposefully made it more difficult for me to request this refund by telling me how I wouldn't need to worry about it and asking for a refund wasn't necessary. I am waiting on a refund amount of {$2500.00} and it is disgraceful that it could take up to a year to get my money back. I requested this refund amount in XX/XX/XXXX and I wish to get my money back as soon as possible. 

I made my payments on XX/XX/XXXX and XX/XX/XXXX. I more than qualify for these refunds.
Product: Debt collection

Sears mastercard ... My credit card # XXXX XXXX XXXX XXXX ... ..Transaction Dispute..The merchant Has " '' Not Provide Any Product or Services '' '' This is Faulty Claim ... ON XX/XX/XXXX ..I, Order a Electric Bike through XXXXtotal amount $ 434.00..Merchand XXXX XXXX  '' ..order # XXXX XXXX ... BUT XXXX Notified IMMEDIATELY that the Merchand was not selling a Electric Bike ... But instead pieces of bikes ... ANd the order was canceled Immediately ... .Ihave never Reguested or Accepted the SErvices from XXXX ... without any permition XXXXXXXX enter on this process ... on XX/XX/XXXX the money Returnded ..BUT XXXX took the money..FOR.. the last 5 mounths I, have been disputing this fraud charges ... My card Sears Mastercard..On XX/XX/XXXX returned..ANd SEARS On XX/XX/XXXX Sented Me a Letter indicating that the MATTER Was RESOLVED ... BUT once Again XXXX, XXXXFAULTY.. issue a second Claim Fot the same Canceled product on XXXX BuT time XX/XX/XXXX that i, have order and Receipted the same BIKE From the same MErchant..THIS IS CORRUPTION, FRAUD,,, and ABUSE, ,of ht highest KIND ... SEARS Has NOT protected Me as a EXCELLENT card Holder ... HAS NOT Protected MY Rights..BY Accepting the SAME FAULTY CLAIM..I, am Holding SEARS and XXXX for VIOLATING MY SECTION 75 OF the CONSUMERS RIGHTS Credit Card ACT 1974 ... I, WANT this Situation Of ABUSE AND CORRUPTION to STOP IMMEDIALY, ,IT IS VERY DISTURBING THE HAVE SEARS MASTERCARD, ,Who Knows what And Excellent Card Member I AM..AND TREATED ME WITH ABUSE AND DISRESPECT OF THAT LEVER ... .RESPECTFULLY XXXX XXXX
Product: Student loan

I have been enrolled in Navient 's Auto Pay program since XX/XX/XXXX. My due date is the XX/XX/XXXX of each month. The agreement I was sent by Navient states, in relevant part, that " The payment amount of {$590.00} will be automatically extracted from your designated bank account on the same day each month... If the scheduled payment date falls on a weekend or holiday, the Auto Pay will extract the following business day reflecting your actual due date. '' Today is XX/XX/XXXX, and Navient has already withdrawn the funds from my account. Not only is today two days before the actual due date, but it is three days before the date that Navient, pursuant to the agreement they sent me, allows them the " extract '' the money ; XX/XX/XXXX, happens to be a federal holiday, so XX/XX/XXXX, is the first date that Navient has the authority, under the agreement, to " extract '' the money from my account. In addition to the date being too early, Navient further withdrew an additional amount of {$76.00} which I was not aware of nor did I agree to. 

I am extremely frustrated by Navient 's actions because the account from which they made the withdrawal did not have enough money to cover the transaction ; the account in question is used sparingly and I had to physically go into the bank to add funds to the account to ensure there would be no issues. I have multiple accounts which are segregated for different uses. I have a scheduled transfer of funds into the account in question on a monthly basis that would have ensured the proper amount of funds were in the account on the day that the " extraction '' from Navient should have been made. Now, however, I will be subject to an overdrawn fee from my bank because Navient refused to act in a manner consistent with the Auto Pay agreement.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notification from Mohela student loan servicer that my student loan had been paid by discharge and the balance is now {$0.00}. I then disputed this account on all the credit bureaus to have it updated to status paid/closed/balance {$0.00}. XXXX correctly updated my report with status : " CLOSED OR PAID ACCOUNT/ZERO BALANCE. '' XXXX shows the account still open w/ payment deferred status and balance {$0.00}. XXXX has denied XXXX disputes informing me the current information is accurate with minor updates to payment history. It still shows the account as open with the full balance of {$100000.00}. I provided correspondence from Mohela and XXXX XXXX XXXX showing eligibility of discharge and notice of discharge with zeroed balance. Either Mohela is providing the incorrect information to 2 of the 3 CRAs upon request in the course of their investigations, or those two agencies are not investigating my disputes and resolving them appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times about an account from XXXX XXXX that was always paid on time. 

There records are contradictory. It shows my account as always paid on time but they are reporting it as a charge-off account. This is impossible as an account always paid on time can not be charged off. Please see attach documents where you fill find Equifax reporting this as a charge off.
Product: Credit card or prepaid card

On XX/XX/2020 I went to XXXX XXXXXX/XX/XXXX, I wanted to buy a bed, bed they sale are very reliable, excellent, last long time and also very expensive. I was very excited about buying a bed from them. One of sales representatives of XXXX XXXX describe and ask me if I wanted to try the bed, so I did. Everything was going great, then he asked me " which bed I liked the most? '' I said I really liked the XXXX and asked for a quote, total came out to be around $ 4k, for the mattress, frame, and all the bells and whistles. When I was analyzing the quote, the sales rep approached to me and told about a great offer that they have, he verbally said " Right now you can finance your bed at 0 % for " x '' amount of time, first payment is going to be until next month and obviously I have to run your credit and take your info to put it in the system to make sure if they approve you ''. Sales rep was doing everything so fast plugging in my information, which I approve to use, finally he finished submitting the application and it did not take even a minute when he said, " hey you got a approved for x amount you can finance the bed at 0 % interest for x amount of time ''. He asked me to sign next to the X in the pin pad, ( nothing was showing in the pin pad but an X and a line to print my signature ) so I signed. Sales rep did not gave me disclosures, he gave me the receipt and done deal. Now as of today that I want to use my XXXX XXXX credit card to buy somewhere else, outcome is that I can not use it but only at a XX/XX/XXXX, comes out to be that this credit card is specifically to use atXX/XX/XXXX If the sales rep would have explain that I could only use theXX/XX/XXXXcredit card in XXXX XXXX XXXX, I would have never apply for this card. now I have to be stuck with a credit card that is useless because of the fact that it is an in store credit card, my credit took a hit, and have to live with a credit card because of a sales rep need to sell a bed " forgetting '' to print and show the disclosures to me. If a credit report is pulled from myself you will notice that I dont have in store credit cards, but this one, and that is because to me in store credit cards are not good, they only allow you to buy at that specific store. in that cases what I would have donde is just use one of my other credit card to buy the bed and finance it with my current credit issuer if the disclosures were properly explained to me. Consumer Credit Protection Act, protects me as a consumer from things like this. This credit card is in partnership with Synchrony Bank, I strongly believe that if companies are going to do partnership they have to ensure and trained everyone who is offering their products, because at the end of the road this people represent their company.
Product: Mortgage

Bank of America is requiring that I default on my loan for two months before they will consider a loan modification. One of the reason I was denied in the past is because I have not missed payments on loan. At the present moment, I am getting assistance from someone else to help pay my loans so it does n't default. I do not feel it is fair to require a customer to default on their loan payments before they can be given a loan modification.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to Navy FCU Account # XXXX open XX/XX/2021 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, i demand to see verifiable proof of contract
Product: Credit reporting or other personal consumer reports

I had an account with Check n Go and paid the company every payment on time. They have continuously reported my credit incorrectly. I do not owe them any money at all. I borrowed {$5000.00} and repaid over XXXX. They recently sent me a check for XXXX saying it was money they owed me. They are still reporting my account as a collection/chargeoff. Because they know that I do not owe them and they made a error I consider them continuing to report information as erroneous and maliciously intending to ruin my stellar credit history. I am including a copy of their letter and the refund that they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Discover Card but said call was about all debt. Do not have a Discover Card. Have no credit card debt.
Product: Student loan

Dear CFPB, I am part of a federal loan repayment program through the XXXX XXXX XXXX XXXX ( XXXX ). They make quarterly payments of {$9900.00}. My loan servicer, EdFinancial, has consistently been having delays processing this payment. These delays in posting result in delays in future payments being released by federal loan repayment programs, or jeopardization surrounding eligibility in these programs. In addition, they result in interest being accrued while they fail to process the payment. My last payment was submitted earlier this month XX/XX/year>, and it still has not been processed. 

I have had this issue numerous times. They consistently failed to address it and collect weeks of additional interest. I appreciate your help in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My mortgage was transferred and I was not informed. When transferred additional fees were accumulated that I dont understand that were not properly explained. I am behind in my mortgage but when I try to pay by phone and online me apparently the system will not let me pay unless I pay the full amount. As a result I go further behind. This system and not allow me to pay past due only.I believe that I could catch up on my mortgage if the if the company would except payments other than the full payment which I cant pay. I cant pay two whole months at one time but the system in the mortgage company will not allow me to pay a month and a half so that I could catch up. Can you help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The Protecting Veterans Credit Act of 2017, which was passed by Congress in 2018, requires credit reporting agencies to remove information about veterans ' credit reports that relates to debts or collections I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The FCRA
Product: Checking or savings account

On XX/XX/XXXX at XXXX pm there was a transaction for {$300.00} processed and conmpleted on that date for services not rendered. I tried numerous of time to contact the comapny and get money back startig as soon as 3 days after the transcation when the gooods where never shipped even weeks after and months. I called numerous times inquiring and asking for information. I never recieved the goods and was never able to finalize the final payment as product never shipped. I was hung up on and talked down to in such a disgusting manner that I just decided to dispute the transcation with cash app. After filing the dispute with cash app months later and they denied my request without giving additional information I requested asking why it was denied. I also called when they were open questioning and demanding information. Still to XXXX 2025 I am recieveing dispute updateds and denials and saying I can not appeal the decisions. I have tred to give them documentation showing the charge was for a down payment and that once the producted shipped I was to pay the remainder product never ship and I was never able to get in contact with my specified agent to complete payment when I was infrmed they woud contact me requesting the final payment and this went on for months. I just want my money back and leave it at that. In addition there were transfers of money ot of my account to people I all disputed that they denied or never heard anything back on about the disputes as well as additional unathorized transactions and transfers I have not been able to dispute inreguards to these above issues and not being allowed to file disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You  are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit card or prepaid card

I applied for a master card synchroncy plus credit card with a 16 month no interest promotional and 2 % rewards. 
I used the card for the first time got the rewards but next time a logged in on the account the rewards had been removed and I was being charged interest. I contacted the company and was told I my card was not a promotional card it was a rollover account from an old XXXX card. XXXX went out of business last year. I got no answer on what happened to the rewards. I have never been late on any payments and I was paying much more than the minimum amount.
Product: Checking or savings account

I had an Bank of America ebanking account with no monthly fee. In XX/XX/XXXX I received a letter that said the account was inactive and would be considered abandoned. My debit card and online access were XXXX by the bank. I mailed the reclaim form as instructed and also made calls in order to reclaim the account. My online log in attempt failed and the website required me to call. The phone line of Bank of America has always been automatic. When I finally spent over an hour on calls, tried all option combination and reset the account access, I found that the account was converted to a different type with $ 12 monthly fee. I was charged every month until my account balance was below zero. During those months, Bank of America didnt send me any mail of the change, didnt send new debit card, my old debit card and log in to online statement was XXXX. 

When I called Bank of America on XX/XX/XXXX about this issue, they told me if I leave money with the bank, they can do anything. I submit a request to the client care email, they called me on XX/XX/XXXX and told me they dont need my acknowledgement to change my no-fee account to an account with fee, after they put my account as abandoned and I made the reclaim request. It was my responsibility to check my account change online even they XXXX my log in. If cant log in I can also know the checking account fund requirement on their website, even that was not my account type. 

Hope   Bank of America could credit the monthly fee and recover my account to {$80.00}. Thank you very much for your help.
Product: Vehicle loan or lease

During time contract was signed I never received my 2 attachments informing me of my right of rescission. I sent a affidavit o rescission on XX/XX/22. Bridgecrest sent a letter trying to denounce my affidavit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  keeps reporting that I had a credit card account with them until 2017 that I left unpaid or delinqent. It is different on every credit reporting agency report, so it's hard to explain, but I have never had a credit card or any revolving credit with them. Also, I have not done any business with them whatsoever in the past 10+ years. The only thing I can think of is that it could be overdraft fees on an old checking account that was closed over 10 years ago. 

They will not provide records to me unless I take off work and come to them in person, which I can't do without incurring even more adverse effects. It's too old for them to find records online but not too old for them to keep reporting it negatively. I don't have any records because it is such an old account, which I believed was closed without issue.
Product: Credit reporting or other personal consumer reports

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer 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 XXXXXX/XX/XXXX Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXXXXXX  Correct Social Security Number : XXXX Correct Address : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Section 605 of the FCRA : This section prohibits the inclusion of outdated information in credit reports. Please ensure that any outdated information not meeting the FCRAs timing requirements is removed. 

Section 623 of the FCRA : This section requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when it is disputed by the consumer. 

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.