23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Crate and XXXX/Synchrony Bank offers customers the option to get reward points or deferred interest on qualified purchases made using the XXXX XXXX. Purchases made under the deferred interest option are purportedly tracked under the cardholder 's " promotional '' balance. Those made under the rewards program are tracked under " non-promotional '' balance. Unfortunately, it seems like the company lacks the necessary computer systems to keep track of " promotional '' balances separately from " non-promotional '' balances, leading to incorrect interest charges on customer accounts. My experience is summarized below. 

On XX/XX/XXXX, I made a couch purchase using the deferred interest option totaling {$3400.00}. The company reported my " promotional '' balance as {$3400.00} on this date. 

Subsequently, on XX/XX/XXXX, I placed another order totaling {$870.00} using the XXXX credit card. I chose not to use the deferred interest option with this purchase. Because the company could not fulfill the order on a timely basis, I cancelled this order after few days. Accordingly, I received a credit of of {$870.00} on XX/XX/XXXX. Based on my conversation with the company 's representative, this {$870.00} credit was going to be applied against the original charge. I thought my " non-promotional '' balance was effectively {$0.00}. But this turned out not be the case. Instead of applying the {$870.00} credit to offset the original " non-promotional '' charge, the company 's systems applied it to my " promotional '' balance which is not subject to interest in the near term. Consequently, I was charged interest for carrying an average " non-promotional '' balance of ~ {$800.00} for about a month. I found this out when I read my statement. Today ( XX/XX/XXXX ), I spent over an hour with three of the company 's representatives to figure out what went on. I was told that this issue would be reviewed and that I would get an answer within two billing cycles. I was told that to avoid further interest charges, I need to pay off the incorrect " non-promotional ' balance by the current month 's due date. Effectively, the company is forcing me to pay undue interest and pay off part of my " promotional '' balance which I supposedly don't need to pay off until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results
Product: Debt collection

I have gave ALL parties 3 chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay the alleged debt. This account have been removed twice and wells fargo continue repost the account withnot sending me any communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand accounts be removed IMMEDIATELY!!! PLEASE SEE ATTACHMENT 18 USC 8
Product: Credit card

I submitted a dispute to Barclays Bank Delaware regarding inaccurate reporting of my account ( Account # XXXX, opened XX/XX/year> ) to the credit bureaus, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681s-2 ( b ). My XXXX credit report lists this account with a current payment status and on-time payment history, yet it is incorrectly marked as derogatory. Conversely, my XXXX credit report shows a current payment status but includes an inaccurate payment history. Despite providing supporting documentation with my dispute, Barclays has failed to investigate and resolve these discrepancies. 
Under FCRA 1681s-2 ( b ), Barclays is required to conduct a reasonable investigation of disputes, verify the accuracy of reported data, and correct or delete inaccurate information furnished to credit bureaus. The conflicting reports across XXXX and XXXX indicate that Barclays data is either incorrect or unverifiable, violating this obligation. These errors have significantly harmed my creditworthiness, restricting my access to credit, increasing borrowing costs, and causing financial and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior 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: Student loan

Dear Sir/Madam, I am writing to file a complaint regarding the communication I received from my loan servicer, which has caused me great concern and frustration. I recently received an email that detailed the terms and conditions of the payment modification program for my loan, and I am troubled by the implications it contains. 

I have also attempted to work with my loan servicer to lower my payments due to my current unemployment status, but my requests have been denied. I believe that this refusal to work with me is unfair and puts me at risk of defaulting on my loans. 

Specifically, the email stated that the use of a payment modification program, with the exception of Extended Borrower Repayment, may result in disqualification from certain borrower benefits, including private loan cosigner release, that require on-time payments to be made. I find this to be deeply concerning as it seems to suggest that I will lose important benefits if I take advantage of the payment modification program.

Additionally, the email indicated that if my enrollment in the program is denied or terminated, the payments I authorize will still be withdrawn and applied to my loans, but they may not be enough to cover my full monthly payment amount, which could result in delinquency. This feels like an unfair and unnecessary risk to take.

Overall, I feel that the communication I received was unclear and potentially misleading. I am concerned that I may not fully understand the terms and conditions of the payment modification program and that I may inadvertently lose important borrower benefits or become delinquent on my loans as a result of participating in the program.

Therefore, I urge you to investigate this matter and ensure that my loan servicer is providing clear and accurate information to borrowers about their options and the potential consequences of those options. Additionally, I urge you to investigate why my request to lower my payments has been denied and to take appropriate action to ensure that my loan servicer is treating borrowers fairly and in accordance with federal laws and regulations. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I notified you that these accounts are the result of identity theft and that they need to be removed. I also sent you a copy of the FTC report. For some reason, you keep telling me that they belong to me, so I have to believe that you have proof of this, right? My credit is the one thing that determines if I am able to prove myself worthy to creditors and if there's information being falsely reported, it will hinder me from obtaining what I otherwise would be able to financially achieve. I also reached out to the creditor 8 months ago and they failed to provide the required documentation. I have attached the dispute letter for your reference. Due to the fact that you've not legally verified these accounts and have allowed for fraudulent information to continue reporting on my credit file, you are required to remove these accounts immediately from my credit report. I've also attached an invoice for the violation of the following XXXX accounts. Payment should be remitted to the address on the invoice. These are the accounts in violation : 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

They are reporting me as being late and now I have a negative mark on my credit report. I have paid on time every month even ahead of time. I am enrolled in autopay. They have taken my credit score down 10pts due to this false negative reporting on my account. My payment is due on XXXX.
Product: Student loan

Back in XXXX I consolidated my student loans with XXXX. Come XXXX 2015 all the papers were in order and seemed to have been done, but then everything went wrong. The other loan services Fedloan rejected payment to XXXX. How can they reject Payment??? Now it 's all in limbo and Fedloan will not help me resolves this situation. I have come to realize that Fedloan is like loan sharks. I talked to some one with department of education and contacted XXXX. XXXX told me that Fedloan informed them that they no longer services the loan it was with department of education collections. Keep in mind it would n't have been with collections when I consolidated the loans. But is now the lady from the department of education that I spoke with told me that Fedloan did n't have a choice but to consolidate the loans because the consolidation was complete. But yet this still has n't been resolved and XXXX told me that I needed to fill in on the a form for the new service agent of the loan. Yet the only information I have is for Fedloan. And they will not give me any kind of information other than telling me I need to pay them. Mean time my credit is being screwed and I refuse to pay Fedloan a dime! Especially because this should have all been taken care of in XXXX of 2015 and I should just be paying to XXXX. Fedloan locked me out of my account I ca n't view it online, ever since I sent an email complaining about he situation back in XXXX. What am I suppose to do? Why is this legal for Fedloan to XXXX me over? Do I need to find a lawyer and sue? I did find a lawyer for student loans. But I feel that ridiculous due to the fact that I should be paying XXXX and it should all be consolidated with XXXX. The people that I have spoke with at XXXX have been very nice when speaking with them. But at the same time not much help in resolving this matter. Fedloan on the other hand is rude and shady and absolutely no help at all!!!!! I do not want to do business with Fedloan at all that is why I chose XXXX to be the service provider of the loan. But apparently that was n't a choice. Because Fedloan is keeping it held up!! Like ransom money. I still receive bills fro Fedloan so I do n't see how they can say they no longer service the loan to XXXX. What do I do!?!?!?!
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 XXXX u.s.c. 1681 Account Name .... XXXX XXXX XXXX Account number... # XXXX XXXX XXXX .... # XXXX. XXXX XXXX # XXXX .... XXXX XXXX ... # XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX .. # XXXX XXXX XXXXXXXX XXXX .... # XXXX ... XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
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...

15 u.s.c. 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years...

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Student loan

In 2017 my Student Loans with the Department of Education had fallen into default. I was contacted by a company called My Great Lakes about a Loan Rehabilitation Agreement to bring my loan out of default. Knowing that I wouldn't be able to make significant monthly payments after the $ XXXX rehabilitation payments, I redlined and renegotiated the LRA to contain language allowing for the " renegotiation of terms or the cancellation of balance on behalf of the borrower at any time '' once the loan was brought out of Default. Nelnet now services the loan, and will not honor the amended language of the LRA. They are refusing my negotiated terms and conditions, despite the LRA being requisite before bringing this loan out of default, and are intentionally failing to move forward with either negotiating new terms or a lump sum payment. Instead, they delay communication or resolution and continuing attempting to charge me interest on my loans.

Either the terms of the LRA must be honored, as negotiated and agreed upon. Or, the LRA never was valid and thus the loans are in default and can not be serviced by Nelnet. Nelnet is essentially stonewalling me, refusing to negotiate or honor the specific terms of the LRA, and hoping that I will continue getting buried in accrued interest.
Product: Debt collection

I noticed that the mentioned collection agency was on my credit report. according to the u.s code 1618 the agency must provide, 1 a verification of debt and 2 a right to dispute. the agency must also submit to me in writing a notice of intent to report 30 days prior to reporting my personal information to any of the consumer reporting agencies. I have had no contact from the collection agency to verify debt ot to dispute the account. I have not been informed of who they are reporting for and the accurate amounts charged fore services ( if any ). the following is the law that was broken in regard to my personal information .U.S XXXX Code Title 15 Chapter 41 Subchapter III 1681c 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.
Product: Credit reporting or other personal consumer reports

Hello and good day, there is information on my credit report that has been placed in error which is very concerning, this account keeps appearing on my report to which I am not associated with, this is causing me unnecessary stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account Number : XXXX Wells Fargo has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 
14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, 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. 


Account - XXXX XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX AccountXXXX XXXX XXXXXXXX Account- XXXX XXXX XXXX XXXX AccountXXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXXXXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXX XXXXXXXX Account XXXX Account-XXXX XXXXXXXX The Following Inquires are a violation of my consumer rights : XXXX XX/XX/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 The following addresses are also in violation of my consumer rights : Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Address XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX
Product: Student loan

XX/XX/2017 I applied to consolidate my student loans and reduce the interest rate when they were really high. I applied on a website that gave me options, and ended up with Mohela, which eventually became XXXX through the paperwork process. After I accepted the rate and the paperwork was sent I figured this out. And I also learned that they listed all of the benefits of a Federal Student loan and said, 'MIGHT NOT BE ELIGIBLE FOR " before each benefit. NO where on the forms did it say, these will be private loans and no longer eligible for any type of Federal Student loan benefit! 

they intentionally mislead the borrower by saying 'you may ' and offering the same payments as a Federal Loan Servicer. They even show the Federal Loan paperwork on the account website, saying apply for Loan Forgiveness and such.
Product: Credit reporting or other personal consumer reports

I applied for Car Loan with XXXX XXXX a few weeks ago. Transunion put a fraud alert on my account without my knowledge. XXXX XXXX said that they could not see my credit report. I called Transunion and went on the website to take it off and reapplied. I received an email saying that it was off. When I reapplied, I had the same problem with XXXX XXXX just created XXXX inquiries on my credit report that were not needed because the fraud alert was still on there. I tried to correct the problem with TransUnion to no avail. 
Needless to say, I did not get the loan. I reapplied on the XXXX and still had problems.
Product: Mortgage

I am attempting to refinance my home mortgage through XXXX XXXX. They have been great- up front, honest, and great attention to detail. The trouble is with my current mortgage servicer, Select Portfolio Servicing Inc. We ( XXXX and myself ) have requested documentation concerning a modification agreement or deferral that was made on my mortgage. They have provided us with documents that do not pertain to this agreement including copies of documents that were never signed. Since my new mortgage is time sensitive this has become a major hurdle. I, myself, have been on the phone to them at least XXXX times in the last XXXX weeks and still no document has been provided to me. Could you please assist me in obtaining the document I need. I personally believe Select Portfolio is withholding this document to keep me lock into their high interest adjustable rate mortgage.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 which was the agreed date to receive the I never got them and the persons involved took my money even after telling me I could get a refund the amount of {$500.00} was sent to a XXXX XXXX using XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromise of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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