23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I cosigned a student loan for my grandson through Sallie Mae. Although I co-signed the loan, his parents filled out some of the paper work and thought that they would be helping him by paying the interest on the loans while he was in school. He graduated XXXX XXXX of this year ( 2017 ) and is currently setting up interviews for a job but, as of this date, is not employed. Since he graduated, his parents thought he would have a 6 month grace period before he would have to start paying back his loans. However, we found out today that is not the case and Sallie Mae expects an interest payment during his 6 month grace period. Unfortunately, since my grandson graduated, his father lost his job and they can no longer pay the interest. I called Sallie Mae today ( X/XX/17 ) and explained the situation to a representative who said he would connect me to the Loan Modification Department but, the call was disconnected. I called back and talked to another representative who was not at all helpful, nor sympathetic and REFUSED to connect me to the Loan Modification Department, so I asked to talk to her supervisor. The supervisor was also not sympathetic and ALSO refused to let me talk to the Loan Modification Department and was very condescending. After searching online to see if there was any options available for their situation, I found a different phone number for Sallie Mae and a quote that saidIf you are experiencing financial challenges, whatever the reason, at the first sign of a difficulty dont ignore it. Call us at XXXX ( XXXX ). We know you dont want to be in this situation, and were committed to working with you to help you get back on track. So, for the third phone call I called this number and, although the representative was at least kind, she said there was not much that could be done. After I complained more, she said she could give him a forbearance but he would have to pay {$150.00} for that and then he would have to begin paying the interest next month. He does n't yet have a job and, although I co-signed his loans, I am retired and can not possibly pay this amount each month either. I asked Sallie Mae if I could pay {$100.00} per month until my grandson got a job and could start repayment, but that was not an option according to them. Additionally, although my credit score is  excellent, his student loan interest rate for each of the four years was between 11-12 % which I did not understand. When I called each year to see if somebody would tell me how they came up with that rate, I was never given an explanation. So, his parent 's paid around {$20000.00} in interest over the four years and they still could n't do anyything to modify his loan so he could take advantage of the so called " grace period '' to begin repayment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to explicit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

In XX/XX/2022 I got a new credit card offer from my insurance company which was State Farm and the bank to sign up with was US Bank I had to spend XXXX dollars with it in 6 months and I earned a XXXX bonus. I did everything within 6 months and correctly and now they are refusing to honor the offer and pay the bonus. I have the original mailing I was sent, also I complained to State Farm insurance and they had a liason they said talked to them and still US Bank have refused to honor the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies have become negligent of their Federal duties and compliance with the Fair Credit Reporting Act. This is my 9th CFPB complaint to be submitted in regards with my Requests for the Removal or deletion of the Fraudulent accounts and information being reported on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft, my identity was stolen and used to open these accounts in which I never received any benefits as a result of the identity theft. Also, the Credit Bureaus have claimed that the Disputed items belong to me and that the items were verified and continued reporting these items without sending me proofs of verification or any documents bearing my signature. This is a clear violation of my rights under the FCRA. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit File : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XX/XX/2022 XXXXXXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid my account in full with XXXX XXXX XXXX XXXX ( listed under XXXX XXXX XXXX XXXX. And on XX/XX/XXXX, I sent a letters to Transunion, XXXX, and XXXX to notify them that the debt has been settled and paid. However a week ago, I noticed that on my three bureau credit report report that XXXX XXXX is reporting a new balance on my account as well as reporting it as a new charge off with notes on the account that is simply not true. My score dropped 64 points. I called and spoke to a representative with the company and she apologized and said that she will update the information and it will be deleted off of my credit report. Fast forward today on XX/XX/XXXX, I woke and noticed my credit score dropped another 32 points because they decided to keep posting this as an active and open charge off when that is a lie the account has been paid in full as of XX/XX/XXXX. This is a CLEAR violation of my rights under the Fair Credit Reporting Act to be reporting this on my credit report for reporting a debt as charged off when you settled or paid it in full and misstating the balance due.The account was opened XX/XX/XXXX, it has reached its statute of reporting time of 7 years anyways this year on XX/XX/XXXX. I demand that this account be removed from my credit report with all 3 bureaus immediately.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Removal of Fraudulent Credit Information To Whom It May Concern, I am writing to demand immediate action regarding fraudulent entries on my credit report. My personal information was illegally compromised on the dark web, leading to unauthorized transactions and the creation of accounts without my consent. 

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX  XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX  XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX  XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX  XXXX XXXX THIS IS NOT MY ACCOUNT XXXX  XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX
Product: Mortgage

My home mortgage loan is with Specialized Loan Servicing in Colorado. I applied for the COVID forbearance program with SLS and was placed on the program. At the time I applied and was accepted, I was told that SLS would work with me on repayment after the forbearance ended. From that day forward, everything has been confusing and interesting. Immediately, I noted that my account was flagged, " in Loss Mitigation. '' Secondly, I started receiving the mortgage assistance packet. I started providing the information, which, I completed ( as a part of the process, I thought ) to SLS as directed. I submitted, and resubmitted and updated and re-redated the application more than 5 times, over the year, to finally be informed on XX/XX/2021, that the " trial modification was denied. '' I am now submitting for reconsideration by an independent second reviewer and has advised SLS of my desire and intent to retain my property ( I officially returned the form they requested ). I have talked to SLS almost every month over the COVID period about my loan and was never given access to a loan expert ( always a customer service XXXX, who was helping me through the mortgage assistance packet ( again, requesting information over and over, that I had sent via XXXX, email, fax and regular mail. The person assigned to my loan was never accessible or available and I could not leave a message. On Friday, XX/XX/2021, after reviewing the XX/XX/2021 notice that he modification was denied, I connected with an SLS specialist to discuss options for bringing the loan current ( i.e. payment plan or some other option ). I advised, that as a small business owner, I was impacted by COVID and while it looks like things will get better, an immediate repayment of the amount due as a result of the COVID forbearance was unreasonable. And then I asked the question of the specialist, if they had received my XX/XX/2021 payment in the amount of {$4500.00}. He replied no! I have researched the payment, and discovered that the payment process from my bank account on XX/XX/XXXX, and was returned, by SLS on XX/XX/2021 ( for no reason, as the funds were available to pay the check ). I am not sure what is happening here with SLS. I noted that they have had problems " doing the right thing '' and has been sued. I want to ensure that I am provided, especially after COVID and opportunity to keep my home and restore my account to good standing. I can sense the direction and intent of SLS, as they have had comparable and appraisals done on my property twice. My home is worth twice the balance on the loan. I need help working with these people.
Product: Credit card or prepaid card

I opened an Amex Gold card account in XX/XX/XXXX. One of the advertised benefits is a {$100.00} airline credit, payable against charges including flight change fees. 

In XX/XX/XXXX I was offered the opportunity to upgrade to a Platinum card. I did so. In doing so I was promised a {$200.00} credit for airline incidentals. This reminded me of the {$100.00} I had been promised for incidentals on the Gold card. 

During XX/XX/XXXX I incurred at least two flight change fees, which Amex lists as eligible charges for the purpose of their airline incidentals credit. However, I could not see any credit for {$100.00}, or any other amount. I have attached an email showing one of the flight change fees of {$450.00}, which was incurred on XX/XX/XXXX. There was also an additional fare collection, thus the total amount charged was {$490.00}. I have several other examples I can share. 

I brought this issue to their attention today ( XX/XX/XXXX ) and was told that it was too late to dispute the non-credit of {$100.00}, because it applied to XX/XX/XXXX. I engaged in a lengthy chat ( see attached transcript ), with this line being the last they sent on the matter : " Since XX/XX/XXXX has been over, we would not get an option to do that. That's a reason we would not be able to do it ''.

This seems extraordinary. According to their policy, a card member could incur charges on XX/XX/XXXX, not receive the credit, then be told, " sorry, it's too late - the year has ended ''.
Product: Vehicle loan or lease

The car loan was a joint account one. The person who was in charge was my ex wife who made the payments late on purpose while I was XXXX. Once I know about what was happen I paid off the account almost 2 years ago ( XXXX XXXX ). It still appearing in my credit and hurting my credit score ( XXXX  ). We were in a divorce case and she didn't want to sign the divorce, she threaten me about what she will going to do if I divorce her. She did, she try to affect my credit. I tried to fix this issue with the company and they do not listen, do not want to help. The account is closed paid in full and still appear in my credit score.
Product: Credit card

I disputed the credit card with XXXX and XXXX told me to file a complaint I also asked for proof that the account was mine
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602A states : I hate the right to privacy.

15 USC 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX, XXXX, and Transunion stated that my account was properly investigated or it meets FCRA requirements. How is that possible when there are still errors and inaccuracies across all three agencies. High balances are different all cross the three agencies, dates last verified are all different, date reported, date opened, and date closed are different or are missing, payment history is inaccurate : This is grounds for immediate account deletion because these are all violations on my credit consumer file. 

Listed Accounts : XXXX XXXXXXXX ( account is suppose to be closed ) ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX  ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX XXXX  ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions.
Product: Checking or savings account

XXXX : My father authorized his unemployment benefits back pay check in the amount of {$18000.00} to be direct deposited into my Capital One bank account. It was deposited in my account after which I withdrew {$4000.00}. 
XXXX : All of my Capital One bank accounts were frozen. I contacted the bank and they informed that my account is now permanently closed and I owe them {$4000.00}. I also provided the representative with a contact phone number for my father as well. 
My father and I contacted the bank together and the representative refused speak to us and stated that the funds were being sent back to where they came from. 
XX/XX/2020 XXXX MT : They sent me an email that stating that " Dear XXXX XXXX We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. '' XXXX : I called XXXX and spoke with a representative that informed me my account was closed and I could contact the Review Department directly, she provided me the following phone number XXXX and I called directly. My calls were immediately disconnected. I emailed XXXX XXXX, Director of Customer Complaints and have yet to receive any correspondence or acknowledgment of my email. 
I am filing this complaint because of the unprofessionalism and rudeness of how I have been treated. I have had my Capital One bank accounts for over three years. I am on the verge of being evicted because of this incident and I have two small grade school children who will be homeless by the end of this month. I feel as though I deserve an explanation of the process or be provided a timeline for verification.
Product: Debt collection

I have already submitted a complaint about this mailorder through XXXX XXXX that I did not order last week. I told you in the complaint details about this bogus order I did not place and how I have already sent them a affidavit to cancel the account and harassment well since then I received the 3 attachments I will attach to this complaint
Product: Credit card or prepaid card

Recently I used my Discover Credit Card because my visa debit card 's magnetic strip was inoperable. No worries in which I was using my credit card and paying off the card the next day of my purchases. So I thought. I made a payment on XX/XX/XXXX {$280.00}. XXXX, a payment on XX/XX/XXXX of {$170.00}, a payment on XX/XX/XXXX of {$920.00}, a payment {$57.00} on XXXX XXXX to supposedly keep everything current in which it should of been. another payment on XX/XX/XXXX of {$50.00} a payment of XX/XX/XXXX of {$380.00}, a payment on XX/XX/XXXX of {$280.00}, a payment on XX/XX/2020 of {$580.00}. I did this too keep everything current. However, the balance was - {$22.00}. So, being concerned I called Discover Card financial services on XXXX XX/XX/XXXX. i spoke with XXXX who was absolutely acted like he didn't know what I was talking about. He stated that sometimes things don't go through. Exact words. How is that possible that my payment may not go through. I asked to speak to a manager and for his badge number. which he gave me and have written down. When I spoke with the manager it was XXXX from XXXX, AZ. She was downright rude. She told me it takes 8-9 business days for things to clear. I told her the discover card services does not keep up to date like a normal financial service. Example. on my account it says I have a balance of {$420.00}. I paid {$420.00} to pay off balance. So what they do is hold the {$420.00} you pay for 8-9 days while you accrue more charges and interest. They don't update the account. so you are actually not knowing what you are charging. A lot of things did not line up. When I talk to XXXX and told her I had previous talked to someone and said the persons badge number. She even notified me they don't even have badge numbers at Discover. She was downright rude. Seem rather unconcerned of what they were doing. She even yelled at me with a temper. i feel so upset with Discover and want this resolved immediately. Unprofessional!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX checking my credit, I have had an account with them for some time and recently received information from them stating that my credit limit had been raised. I placed an order on XXXX XXXX, 2017 as a XXXX gift. I was charged in addition for the merchandise, {$41.00} for expedited shipping. The merchandise was never received, I noticed last week that they had checked my credit. I monitor this report frequently and did not authorize anyone to check my credit. I spoke with them today and they told me I had to call back to cancel the order because it had shipped today. I sent them an email on XXXX XXXX cancelling the order because it did not arrive on time. I called today to cancel the order again when I was notified it had shipped today. They told me there was nothing they could do and I should wait a few days and call back when the order was delivered. The persons I sent the order to will not be at the address any longer so I do n't want anyone else getting this merchandise. They told me today that the reason it was late was because they had to check my credit. I did not authorize this and would have paid for this order rather than have a hard hit on my credit report.
Product: Credit card or prepaid card

I apply for store credit to get something for my pick up truck. but after half of year. I never got it .but the store still charge me every month for the {$6000.00} dollars that I qualify for. that happens the XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the owner is a XXXX always stealing from humble people like me
Product: Credit reporting or other personal consumer reports

I noticed some things completely different and false on my XXXX XXXX XXXX account. There are late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I always had this account on auto pay. I was never late. This account is also paid in full and closed as of XX/XX/XXXX. I sent in proof to the bureaus and release of liability. This account should have on time payments, XXXX  balance, and closed. There has been no change and this affecting me from being able to obtain a vehicle with a good rate.