23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am trying to defer my private loans ( Total = {$73000.00} ) from Sallie Mae until I graduate with my XXXX XXXX XXXX. The application for deferment was faxed to them by the registrar at the school I currently attend on XX/XX/2021. I was " denied '' for this deferment although they never sent me a formal notice saying so until after I contacted them by phone on XX/XX/2021. They said the reason was that I can not defer my loan payments for more than a total of 48 months. When I checked the promissory notes that I signed, no maximum amount of time for an in school deferment period was mentioned. They did, in reference to deferment, however, use some very vague language saying " If we approve your request, we will tell you how long you can postpone payments and whether you have to make any payments in the meantime. '' Nothing about that statement says what the criteria is for the request to be approved. No maximum amount of time for deferment was mentioned anywhere in the document. 

Furthermore, the same section of this promissory note, 2 bullet points below, says " We may also postpone your payments, even if you have not asked us to do so if Student returns to school at least half time. '' The word " may '' here is ambiguous. What are the conditions under which Sallie Mae would do this automatically? They should be listed in the note, but they are not. It is also worth noting that the word " School '' is defined in the document with a capital " S '' to mean " the school identified in the application, '' and is used multiple times in the promissory note WITH the " S '' capitalized to refer to that school. However, at the end of the document, there is a statement without the " s '' capitalized that reads, " This loan does not require payments while you are in school and for a separation period of 6 billing cycles thereafter. '' Since that statement is in the documents that Sallie Mae sent to me, which does not specify which school I need to be in, it should not even be necessary for me to even apply for IN SCHOOL deferment. 

Since they ( 1 ) never sent a copy of the promissory note via mail despite sending a bill for {$0.00} for every month my loan was in deferment, ( 2 ) never sent a formal statement denying my request for deferment until after I called them a month later, and ( 3 ) won't discuss repayment options until 6 days AFTER the DUE DATE of my first payment ; I have a strong suspicion that THEY don't believe what THEY are doing is legal. Had they been at least ethical enough to tell me, unambiguously, the terms of in school deferment IN THE PROMISSORY NOTE that I signed my name on, I would have avoided signing the promissory note and looked for another lender. That way I would not be in a situation where I have to consider relinquishing my dream of becoming a XXXX  to avoid permanently destroying my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not my accounts
Product: Checking or savings account

On XX/XX/XXXX, SunTrust bank froze our account and refunded a check we wrote without notice and would not let us move money in any way out of the account without explanation. The check was legitimate and we tried calling the bank 3 times to verify but they still caused the check to be returned and NSF fees. We want our money out of our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a investigation with trans-union inXX/XX/XXXX. Report number XXXX. Upon my submition i asked for the investigation of two accounts. The first acount was XXXX XXXX # XXXX, i asked the agency to send a letter of validation to me such as payment history and a legal documentation showing that this was my account and I 'm liable for the account. I also stated that by the looks on the report, XXXX, then updated in XXXX, I believe this account is re-aged or not actuate at all. Upon my return report it says account updated but still no proof this is my account. They will not provide me anything. 
Second issue and the second investigation I asked to be looked into was XXXX # XXXX, again asked for validation in XXXX and received same response. Updated account information. If the accounts they claim is validated why ca n't I get proof these are indeed my legal liability to pay and or remove from my report. And if the XXXX XXXX account can be validated as my account they should look into possible the account being re-aged by the dates stated on report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint not only for the third ( XXXX ) time against XXXX XXXX XXXX, but also against ALL THREE ( 3 ) major Credit Reporting Agencies XXXX XXXX Equifax, and XXXX for not only violating my rights as a consumer, and for also reporting false and inaccurate information on my consumer report. In accordance with the Fair Credit Reporting Act, EVERYTHING has to be 100 % accurate. After carefully reviewing my latest consumer report, I not only found several violations, but I also see that XXXX is continuing to report inaccurate information as well ALL XXXX major CRA 'S. This fraudulent activity is still in progress even after me sending XXXX a certified letter on XX/XX/2022 ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a complaint with the cfpb on XX/XX/2022 ( still no response ), another certified letter on XX/XX/2022 ( tracking # XXXX XXXX XXXX XXXX XXXX ). Attached labeled as Exhibit A, is a screenshot of this fraudulent reported account, reported closed on XX/XX/2022 on XXXX. Also attached labeled as Exhibit B is the final letter sent to XXXX on XX/XX/2022, informing them of how their company has violated my rights as a consumer deliberately, intentionally, and purposely and is willfully violating my rights as a consumer. Lastly, attached and labeled as Exhibit C, is a copy of this company and ALL three ( XXXX XXXX XXXX XXXX XXXX reporting inaccurate information ( ALL HIGHLIGHTED ). How can any of this information be accurate with so many inconsistencies? The account type is inaccurate, The account detail is inaccurate, Date opened is inaccurate, Balance is inaccurate, No. of months is inaccurate, Past due is inaccurate, payment status is inaccurate, Last reporting date is inaccurate, comments are inaccurate, date last active is inaccurate, date of last payment is inaccurate, along with the entire XXXX ( XXXX ) year payment history also reporting inaccurate. Not only has my rights to privacy been violated, ( according to 15 usc 1681 section 602 A ), but also 15 usc 1681 section 604 A section 2, which states that a consumer reporting agency CAN NOT furnish a account without my written instructions.
Product: Debt collection

National Credit Systems is making false claims by using misrepresentation and deception that violates my consumer rights. I previously made attempts to fix said issues. I am now entitled {$1000.00} for every violation listed. I'm requesting that they pay me or delete these accounts immediately.
Product: Debt collection

Unknown account and I have disputed and requested validation and nothing has been received. Please help
Product: Credit reporting or other personal consumer reports

the accounts listed below are done with fraud .I never open these accounts. I have filed a police report and attempted froze my 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
Product: Credit card or prepaid card

I was using my Synchrony Bank managed Banana Republic card for training fees at a XXXX XXXX based gym called XXXX XXXX. XXXX  XXXX uses XXXX XXXX XXXX as their fee management company. Fees were assessed to my Synchrony account on the XXXX of each month in the amount of {$320.00}. The last charge to my account that I authorized was on XX/XX/XXXX in the amount of {$320.00}. 

My card was stolen on XX/XX/XXXX. I alerted Synchrony Bank the same day and I received notification that the account was closed. This is the account that XXXX had on file to charge the monthly fees assessed on the XXXX of each month. 

On XX/XX/XXXX, after repeated issues with receiving services from XXXX XXXX, I alerted the head of training that I was not authorizing the XXXX charges. I was not informed that I needed to contact XXXX. Instead I was told that they would take care of the cancellation. Additionally, the card number they had on file was closed, so I assumed it would not be possible for my account to be charged. 

On XX/XX/XXXX and XXXX, my new account was charged the monthly fee of {$320.00}. I do not understand how XXXX was able to access my new account as I did not supply that information to XXXX XXXX. I was never contacted by XXXX or Synchrony to authorize the charges. I logged into my Synchrony account on XX/XX/XXXX to make a payment. I saw the charges and immediately contacted XXXX XXXX. They were not cooperative and told me to call XXXX. All of my contacts with XXXX have been unsuccessful as they refer me back to XXXX XXXX. I immediately began disputing the charges with XXXX, XXXX XXXX, and Synchrony. I currently have a dispute claim open with Synchrony. However, I have not been able to get any information on why they allowed XXXX to charge an account for which they did not have the information. 

I am requesting that the {$320.00} charges, totally {$640.00}, assessed to my Synchrony account on XX/XX/XXXX and XX/XX/XXXX be reversed.
Product: Credit card

I am submitting this complaint in regards to Capital One Credit Cards, I just realized after so long since my last complaint directly to this company that my over limit balances continues to increase over and over again, due to Interest increases, past due fees ( due to the fact that even if paying regular payments and not the minimum, that purported late fees and over limit fees of XXXX ) keep superseding the credit limit balance even when the card has not been use or charge for any purchases in the last 3-6 months. I need help I continue to make more than minimum payments and it continues to go over the limit and incurring over limit fees, so far each month I am incurring fees and charges. These are the charges that I have become aware I am getting charged every month regardless of how much I pay to this company XXXX interest ( which is acceptable ) past due fee {$39.00} along with a XXXX over limit fee. I was told by a friend that I needed to submit a complaint with the respective authority that oversight and supervise these type of abuses or deceptive practices from these credit card companies, I have already dispute and discussed these abuses with Capital One representatives and then escalating the matter to a supervisor, but they continue to be reluctant and pursue with the same pattern of deception and misconduct which makes it impossible to correct any problems with late payments. Please I need your help so far more than half of the outstanding balances is due to fees and charges this year alone.
Product: Credit reporting or other personal consumer reports

I have been disputing XXXX XXXX  on my credit profile, I was a victim of identity thief and every time I dispute the account it will come back as verified even after I point out multiple violations and prove that all my XXXX credit reports are reporting different information from this company they are reporting deceptive information on reports also and is in violation of my consumer rights I have requested a validation letter from the company also requested method of verification from the credit bureaus on how they conducted they investigation. Also I did not authorize XXXX XXXX XXXX to report on credit profile. And I requested that the credit bureaus delete the account and they refused even after I notified them of the deceptive account
Product: Money transfer, virtual currency, or money service

An unauthorized change to my bank account was made allowing money transfers from my checking account using XXXX. I called the Bank in real time ( within minutes ) and asked that the account be locked down because the charges were fraudulent, and there was an apparent hack into my Banking account, probably through the Banking App. The perp set the electronic wire transfer allowed to a yes status. I have never used a transfer service and was unsure what XXXX even was at the time. 
The Bank knew this was a hack and did not lock that paticular account down allowing a 4th XXXX Transfer to appear a couple days later. All my accounts were changed but my money was allowed to remain in the deactivated account to be paid out. Now I have to file a fraud report and wait for my money to be returned. All of this could have been stopped if the Bank had taken immediate action when I called and reported. 

My local banks staff was very helpful, but the Larger Bank knowing there had been an account breach failed in their fiduciary responsibility to protect the consumer and allowed the theft to happen. 

I have spent 2 work days cleaning up this mess, and am upset at the lack of action following my initial report.
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Twice in the last month, I've applied for things ( apartment as well as auto loan ) and my approval has been subject to conditional approval of district managers. While I don't have true detail, I was finally able to get one of the parties to tell me that it was due to a report of fraudulent activity from XXXX 2019. 

I have no idea what they're talking about and was unable to find anything within my XXXX, XXXX, and Equifax credit reports. This feels like a wild goose chase but I'm extremely nervous due to the fact I plan to begin applying for mortgages within the next month or two. 

What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

A new business checking account was fraudulently opened by a corporate member who holds a XXXX XXXX  stake in the corporation, in the name of a business for which I am the legally registered agent and XXXX XXXX owner, without my knowledge or consent. This account was opened with the XXXX XXXX stakeholders residential personal home address listed as the principle business address for the account, with all business bank statements and any other correspondence being sent to the members personal home instead of the business. This action constitutes a direct violation of our official business operating agreement and may also contravene the standards upheld by most financial institutions. 

Upon becoming aware of this account, I personally visited the main Bank of America branch to address the issue immediately. I presented the original signed, dated, and fully executed business operating agreement, along with a legal copy of the state-registered articles of incorporation for the LLC, which formally designate me as the XXXX XXXX majority owner and official registered agent of the corporation. 

Despite having these legal documents in hand to present to them, several Bank of America managers refused to discuss the matter with me, as I was not listed on the newly opened checking account. They refused to provide any information regarding the fraudulently opened business checking account, nor would they accept any complaints related to it. The only response I received was that the current account owner ( the XXXX XXXX stakeholder ) would need to add me to the account or grant permission for me to be added. They also offered to open a new checking account under the same business name and Tax ID, solely listing me as the account holder. 

Since the account 's opening in XX/XX/year>, Bank of America has allowed this XXXX XXXX stakeholder to pay off a personal auto loan that was also funded through their institution, while facilitating the embezzlement of over XXXX figures through the corporation. This situation leaves me, as the XXXX XXXX majority owner, responsible for the financial records of the corporation while being unable to prevent ongoing fraudulent activities associated with this business checking account. Furthermore, the bank has permitted this XXXX XXXX stakeholder to cash and/or deposit multiple checks that were fraudulently endorsed and made out to a completely different corporation, of which I am the sole owner, with each check deposited exceeding {$5000.00} in value. 

When I attempted to file a complaint regarding these additional fraudulent check cashing activities happening through this account, I was once again informed since I am not listed on the account, they can not engage in any discussions with me about the account. They further stated that this is a civil matter and advised me to file a legal complaint through the court system which was already done long before this whole situation even occurred.
Product: Mortgage

I made my payment to this company on XXXX for the mortgage due on XXXX. I 've paid them every month and would be current and only have to pay for the month of XXXX. They informed me that they sent my payment to the originator of my loan without informing me or discussing the situation. The originator of my loan was paid in full with no money due, however The Money Source still states that I owe them. I 've have bank statements that prove I 've paid them and would only be due for the month of XXXX. They have reported these inaccuracies to the credit bureau which has harmed my credit.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the handling of my repeated attempts to remove fraudulent items from my credit report. Despite providing thorough documentation and evidence demonstrating the fraudulent nature of these items, my requests have been repeatedly denied, and the fraudulent entries persist, negatively impacting my creditworthiness. 

I have made multiple attempts to dispute and remove the fraudulent items from my credit report. Each time, I have meticulously provided evidence, including affidavits, police reports, and any other relevant documentation, to support my claims. However, despite my persistent efforts, the fraudulent items continue to tarnish my credit history. 

The presence of these fraudulent items has caused significant distress and financial harm. They inaccurately represent my creditworthiness and have resulted in denied credit applications, higher interest rates, and other adverse consequences. Furthermore, the repeated denials of my disputes have eroded my trust in your agency 's ability to conduct fair and accurate investigations. 

Therefore, I demand immediate action to rectify this matter. Specifically, I request that : The fraudulent items be promptly and permanently removed from my credit report. 
A thorough investigation be conducted into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews. 
XXXX and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Mortgage

I lost my job just after closing on the house in late XX/XX/XXXX. I used savings to make the payments until XX/XX/XXXX, when I couldn't make the XX/XX/XXXX payment. I have since gone back to work but am behind for XX/XX/XXXX, XX/XX/XXXX and tomorrow, XX/XX/XXXX. I have tried to call the company several times, but am kept on hold a very long time or no one answers. I've sent 4 written messages through the company 's online message center but no one has responded to any of my messages or answered any of my questions. I get at least one letter or statement each day from this company, but no one will talk with me when I call or reach out to the through their website or loan administration portal. I can only make 2 or 3 payments online. Their portal will not allow one payment. I can't make a payment over the phone because I can't get anyone to talk with me. I finally mailed one payment in on XX/XX/XXXX, but they are telling me they haven't received it and it has not been posted to my account and it has been 7 days. I received a letter today telling me that I must make 2 payments on or before XX/XX/XXXX or I will be in the foreclosure process. They will not accept one payment. Only two. I'm not making partial payments, but full payments, but I can't make two at a time. I don't know what to do since this company will not accept a mortgage payment from me but is threatening foreclosure.
Product: Credit card or prepaid card

Card was sent to the wrong address and now usbankreliacard is not letting me submit change of address
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.

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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681C. ( 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 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

These companies have not and never do a thorough investigation nor do they provide proof in writing showing a thorough investigation or results. Furthermore I have not given written permission to anyone to report on my behalf on my credit reports or use my information. 

The following needs to deleted from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX