23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had a re-payment agreement in place with University Accounting Services ( UAS ) /Younomics for a private student loan from XXXX XXXX XXXX 

I was approved for a repayment agreement, however UAS never updated my account despite me contacting via phone and e-mail every 10-14 days for the past 8 months. 

I filled out the paperwork they provided to get a new payment plan agreed to as I lost my full time finance job in XX/XX/XXXX when I was downsized due to Covid ( I was approved for unemployment for this reason ), sent it back to UAS, and was approved for a monthly payment amount of {$160.00}. 

However, my actual account was never updated to the correct monthly payment amount, and based on past experience I was told if the payment made isnt for the correct amount it will not be applied to the lain correctly. I made it clear to UAS all they needed to do was update my account and I would make the payment. Each time I spoke with someone from UAS they told me they were looking into updating my account but never did, and no one from their company got back to me for the next 6 months. UAS documented every time I spoke with them which is saved in the notes of my account in their system. I also have emails and documentation which backs this up. 

Even though my account was never updated to the correct re-payment amount per the agreement, I made a lump sum payment of {$1100.00} on XX/XX/XXXX which should have made my account current. 

After making that payment, I again tried to contact UAS via email and phone to make sure the payment was applied correctly to my account multiple times over the next 2 weeks with no response from or action from them. 

I was then informed on XX/XX/XXXX that my loan was charged off, despite my efforts the past 6-8 months AND making the outstanding payment that was due, and despite my account never being updated to reflect the updated re-payment agreement. 

I made every effort I possibly could to bring my account current so I really need your help at this point to get my loan back to UAS so I can resume payment as previously agreed to, which Im happy and able to do. 

Thank you, XXXX XXXX
Product: Debt collection

I paid my debt and returned the XXXX equipment and this keep showing up on my report
Product: Mortgage

Last XXXX bank of America offered to enroll me in the mortgage deferral program as someone who was having hardships due to Covid since I live with someone who is XXXX so I signed up online. They are now telling me that instead of the mortgage deferral program, they signed me up for the mortgage forbearance program, something I did not sign up for and something not mentioned on the call when I signed up. They said the mortgage deferral program ended last XXXX, so there was no way I could have signed up for it. But I just checked the same automated line I used to sign up the deferral program to see if I made some sort of error. I did not. As of today, XXXX XXXX XXXX  they are still offering to sign people up for the mortgage deferral program that they claim ended in XX/XX/XXXX. I brought this to their attention at the end of XXXX so if this was an honest mistake on their part then why are they still doing it after this issue was brought to their attention weeks ago? 

I feel like I was scammed into a program I never intended to sign up for in the first place. If they would have asked me if I wanted to enter the mortgage forbearance program I would have said no. Now they want me to pay the full amount ASAP, or modify my mortgage which would raise my interest rate. I do not want to raise my interest rate.
Product: Student loan

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX Balance : {$3700.00}, XXXX XXXX XXXX Balance : {$3400.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX on fraudulent attempt to secure credit was attempted. 

JP Chase has identified it as fraud, promised to remove this inaccurate information from my credit file, yet almost a year later it still remains JPMCB CARD Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Student loan

We have a Parent Student Loan for our daughter who is a XXXX  at XXXX, with EdFinancial. In XXXX thet moved to a new web platform, and when I logged in the payment history showed only a single payment in XX/XX/XXXX, despite the fact we have made monthly payments in excess of {$14000.00} since late XXXX. I have emailed the company multiple times requesting our records be updated and corrected, have three times uploaded to our account bank records proving the payments were made, and spoke on the phone with a customer service agent yesterday, XX/XX/XXXX. The agent said they could not provide a full loan history because payments before XX/XX/XXXX made on their old platform would not transfer, and that payments after XX/XX/XXXX had to be " investigated ''. She promised to email me confirmation of the correct payment address, but I never received. 

We want a complete loan history and proof that our timely payments have been applied an interest charges have been properly calculated.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of XXXX XXXX XXXX and XXXX for XXXX Dear CFPB Team, I am writing to formally dispute inaccuracies and violations on my credit reports from XXXX and XXXX. These reports contain unauthorized inquiries and account reporting errors that significantly damage my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I demand immediate removal of these inaccuracies and compensation for the violations caused by these erroneous entries. 

Accounts with Violations SXXXX XXXX XXXX Account Number : XXXX Violation : Inaccurate high balance reporting ( {$630.00} vs. {$600.00} limit ), inconsistent utilization percentages, and failure to validate negative reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Violation : Overstated utilization above 102 %, charge-off status reported without proper notification or validation. 
XXXX Account XXXX : XXXX Violation : Duplicate late payment reporting and failure to validate derogatory entries. 
WELLS FARGO CARD SERVICES Account Number : XXXX Violation : Charge-off status reported without verification or adherence to dispute resolution protocols. 
XXXX XXXX XXXX  Account Number : [ Account Number Hidden in Extract ] Violation : Reporting late payments without validation or notice. 
Unauthorized Hard Inquiries The following hard inquiries were conducted without my knowledge or consent and are not tied to any open accounts : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Violations Identified XXXX Unauthorized Hard Inquiries XXXX Accounts with Reporting Errors Compensation Requested Under the FCRA, I am entitled to {$1000.00} per violation. Based on XXXX violations, I am requesting a total compensation of {$10000.00} for the harm caused by these errors. 

Demands for Resolution Immediate Deletion of Inaccurate Information : Remove all inaccurate account details and unauthorized hard inquiries from my credit reports with XXXX and XXXX. 
Updated Credit Reports : Provide updated credit reports reflecting these corrections within XXXX  days. 
Written Confirmation of Actions Taken : Send a written confirmation of the deletions and steps taken to ensure compliance with FCRA guidelines. 
Compensation Payment : Issue a compensation payment of {$10000.00} as outlined above. 
Notice of Further Action If my demands are not addressed within XXXX  days, I will escalate the matter by filing additional complaints with regulatory bodies, including the FTC, and pursuing legal action for damages exceeding the requested compensation. 

I urge your team to address this matter promptly to prevent further harm to my credit and financial standing.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history withXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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 have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Chase has refused to provide me any details about any debt other than to say something for principal and something for fees. 
I still have not received anything about what the money is owed for. 
I was advised in person on XX/XX/XXXX that my account was being closed, I was told by the branch manager via Deputy XXXX of the XXXX XXXX office that I needed to remove any remaining funds in my account at that time or it would not be available to me the next day and that Chase would send a check with the remaining funds in the future. At the direction of the branch manager I removed my remaining funds closing my account. Then Chase left my account open without my knowledge or consent. Now they want to charge me money for something after the account was closed. I requested to be accommodated under the XXXX and for large print. Chase refused to send anything in large print until XX/XX/XXXX in which the debt is not clear at all nor what the debt is for, they only say I owe them money. I do not owe anything since I was told to remove my money on XX/XX/XXXX and that my account was closed. I was told to never return to Chase or I would be arrested. With Chase 's threat of arrest it was clear my account was closed and I was not to return because we did not have any business relationship. Now after the fact and several months later I get a letter that is not clear at all and is over 120 pages. The volume of the pages is overwhelming for my XXXX and is not clear at all what is owned for what. It appears to be an effort to distress me knowing I have XXXX.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Insurance agent sending me monthly bill for auto and house insurance from XX/XX/XXXX. 
I never sign up and agree for service from that agency. I gat approval this month from Client Service Team in particular company with email apologize for the inconvenience and falls statement from agent. I have email from -- XXXX XXXX Complaint Analyst Iowa Insurance Division - Billings, XXXX XXXX Thu, XX/XX/XXXX, XXXX ( 22 hours ago ) to me, Thank you for contacting the Insurance Division. 
Based on the information received during our investigation, the policies in question have been cancelled effective XX/XX/XXXX with no amount owed. 

Sincerely now I have problem from Caine & Weiner a debt collector, they trying to collect a debt from me what I never owed. I contact debt company and now CFPB believing this information what I have shows would be accepted and resolve this meter thank you, XXXX
Product: Mortgage

This company, SLS, bought our HELOC in XX/XX/XXXX. It took awhile to get everything to transfer over, but we finally had everything completed on XX/XX/XXXX when we deposited XXXX from back pay. Attached are 5 pages of transactions starting on XX/XX/XXXX and ending with XX/XX/XXXX. My balance increases daily, when the only transactions are DEPOSITS from my husbands employment. No one at the company seems to be able to answer any questions regarding what the wording on their forms mean, and when pressed for explanations, they say they will send an " inquiry '' to the accounting department. Then I am to call back in 7 to 10 days to find out the accounting dept 's response. I have done this once in the past, and when I called back 7 days later, there was no record that any request was even sent to accounting. And on pages 4 and 5, on XX/XX/XXXX and XX/XX/XXXX, there are so many transactions - reversals, single item receipts (? ), reversals, and Unapplied Funds Unidentified (? ). And all the time, my balance increases ( which means I pay more interest ) when it should be decreasing. Help me understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've came to aware someone has been using my identity there are alot of false charges that i need to take action of ASAP starting off went identity theft, information in my report has been used against me, furnishing and reporting old information, Mixing files, connecting me to accounts and addresses that i don't eve know, incorrect information, unverifiable information, incomplete information there are 9 address there are not linked to me in my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Afni, I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. I am writing to request the validity of this debt and your authority to collect it. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive clear and comprehensive evidence that substantiates the existence of the debt and your right to collect it in writing. To clarify, I am specifically requesting the following : 1 ) A copy of the original contract or agreement that verifies my obligation to pay this debt, including any terms and conditions that I agreed to. 2 ) A detailed breakdown of the charges, including the monthly service fees, late payment fees, and any other charges that have contributed to the total amount claimed. 3 ) Proof that the debt is within the statute of limitations for collection in my state, as I believe this may be relevant to my dispute. 4 ) Documentation that confirms your authority to collect this debt on behalf of XXXX XXXX, including any assignment of debt documentation. As I previously mentioned, I do not acknowledge this debt, and I request that all collection activities cease until I receive the requested validation. Additionally, please note that any further attempts to collect on this debt without proper validation may be considered a violation of the FDCPA. I appreciate your attention to this matter and expect a prompt response within 30 days, as mandated by the FDCPA. Please send the requested information to my address listed above. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy on XXXX XXXX An account listed on my credit report is being reported as a charge-off on my Equifax report XXXX The account in question was included in the bankruptcy. Ive disputed the account a total of 4 times, each time getting the same result that information is being reported accurately. I have even contacted the creditor and provided a copy of my chapter XXXX petition that lists this particular account with no satisfaction.. The other XXXX credit bureaus are reporting this information correctly. Please help.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I called Goodleap to make a payment.and I also requested payoff because all we owed on the loan was {$490.00}. On XX/XX/XXXX, I made a payment of {$250.00}. I was told by the Goodleap agent that payoff would be provided that day. It was not. 

I call back on XX/XX/XXXX to pay the final remaining balance of {$290.00} and I was told the payoff was {$1200.00} because the 18 months of installment ended XX/XX/XXXX and the interest had to be paid on the total of amount of {$7100.00} borrowed.

We also have a later dated XX/XX/XXXX that stated the first payment would not begin until XXXX XXXX, XXXX. 

We paid {$1200.00} and some change XX/XX/XXXX in protest. 

We received an emsil dated around XX/XX/XXXX that Goodleap would uphold their decision to charge us the total interest on what was borrowed because we should have known the installment ended XX/XX/XXXX even though they did not provide the payoff letter verbally or via email as we requested XX/XX/XXXX. We did receive a refund of {$5.00} around XX/XX/XXXX. 

Goidleap took our payments and we did not get credit for those payment. This is usury.
Product: Credit reporting

I have several accounts on my Experian personal credit report that are not mine and I have asked them to verify those accounts which they claim they have done and will not remove them. The problem is because my name has the " II '' at the end and I believe someone with a similar name is having accounts show up on my credit report. Many of the accounts do not have the " II '' at the end of my name and the address does not match. I have sent them my drivers license, utility bills, social security card, etc and they still claim that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according to the Fair Credit Reporting Act the following account has violated my rights. 
15U.S.C. 1681 Section 602A states that I have a right to privacy.

15U.S.C. 1681 604-2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

After reviewing a copy of my credit report I have discovered many account AND INQUIRIES that do not belong to me. attached you will see said accounts and inquiries that must be removed from my report.

I have contacted the creditor and Transunion on several occasions with no results. it is clear that the account is reporting inaccurate at the least and after pointing this out to the Transunion they still fail to do their due diligent as required by FCCA. attached you will see a copy of this account as it shows on Transunion and I will highlight the clear discrepancies. after speaking with XXXX they agreed that I was never late and indicated that they have already in the past instructed Transunion to update their record but to no avail.
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 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 


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

15 U.S.C 1681 section 2 : It also states a 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 ) ( 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 or other personal consumer reports

In accordance with the Fair Credit reporting act. XXXX account # has violated my rights.

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2.. It also states a consumer reporting agency can not furnish an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX servicing company for XXXX is listed twice on credit report for same account and refuse to update it. They told me to talk to XXXX. I have filed complaints with credit bureau to no avail.