23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received three emails from FSA stating my servicer EdFinancial has my next payment listed XX/XX/XXXX and my accounts may be in default. All my loans were consolidated and approved XX/XX/XXXX. The consolidation was completed and I received the official determination by email and U.S. Mail. Federal Student Aid website states the consolidation is still in review. I submitted complaints and contacted FSA, FSA ombudsman, EdFinancial and XXXX  to correct all information on my FSA accounts since XX/XX/XXXX. The first case was closed and FSA sent an email stating the problem was resolved but nothing on my FSA accounts reflect any changes or updates as of XX/XX/XXXX. 
I opened a second complaint attaching all emails and info to correct my account with FSA to show I have always been in good standing with my account, the consolidation info and the next payment is not due until XX/XX/XXXX. My servicer EdFinancial and XXXX have all the correct and up to date info listed accurately on my accounts within their websites showing I am in good standing and both have told me over the phone I need to contact FSA to update my account info. FSA has told me I must contact my Loan servicer to update my FSA information and I've contacted both. The only issue is with my account information being corrected on the Federal Student Aid website and they continually give me the run around and do not correct my account information. 
I am not asking for Student Aid forgiveness only that my accounts reflect the correct information so they don't inadvertently list my accounts as in default that would reflect on my credit reports. I have been paying my Student Loans since XXXX and have always paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/TJX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Formal Complaint Against Upgrade.com - Request for Investigation To Whom It May Concern, I am writing to file a formal complaint against Upgrade.com with the Consumer Financial Protection Bureau ( CFPB ) regarding their business practices during my recent credit application process. 

My application with Upgrade.com began on XX/XX/year>, with the expectation of a swift response. However, what transpired was a frustrating and protracted experience that spanned over a month. 

Approximately XXXX days after submitting my application, Upgrade.com notified me of the need to contact the IRS regarding my self-reported income. This request caught me off guard, as I was never informed during the application process that such verification would be necessary for self-reported income. Despite promptly complying with this unexpected request and providing extensive bank statements over several weeks, the verification process with the IRS had not even commenced after 12 days. 

This delay compelled me to make interest-only payments totaling {$1100.00} to keep my accounts current during XXXX, thereby adding unnecessary financial strain. Moreover, there were conflicting requests for additional documentation, including personal bank statements from a different account. Despite having accessed this account through the provided portal, I was inexplicably informed by a representative that more statements were needed. Only after multiple attempts and modifications to the portal was the issue resolved, underscoring a severe lack of internal coordination. 

Throughout this process, I received numerous emails requesting the same information, despite the portal consistently showing no outstanding requirements. This inconsistency and inefficiency in communication compounded my frustration and wasted time. 

In an effort to expedite the process, I contacted a supervisor named XXXX at the XXXX office. Surprisingly, it was only after my conversation with XXXX that I received the necessary IRS form for completion. This lack of proactive communication from the representatives prior to my interaction with XXXX is deeply concerning. 

Despite my initial doubts, I eventually secured the loan. However, the exorbitant origination charges imposed by Upgrade.com, coupled with the high-interest rates, are unjustified given the circumstances. 

In light of the significant inconvenience, wasted time, and financial burden caused by Upgrade.com 's incompetence, I am requesting compensation for the time wasted and the interest payments incurred during the application process. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and ensure a fair resolution is reached. Thank you for your attention to this issue, and I eagerly await your prompt response.
Product: Vehicle loan or lease

I purchased my XXXX XXXX XXXX XXXX from XXXX on XX/XX/XXXX. Dealership is XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX, CA XXXX ; Stock Number XXXX. The total balance due was {$32000.00} and a Finance Charge of {$5200.00}. I went on Short Term XXXX towards the end of XX/XX/XXXX but still continued to make payments. The financing company is called Bridgecrest and the insurance company is called XXXX. I ran into some problems with my previous employer and my income stopped. I was liquidating investments and incurring massive debt. I reached out to Bridgecrest Customer Service on XX/XX/XXXX about the payments. I received an email on XX/XX/XXXX about calling customer service. However, no one answered my phone calls. Eventually, I went back to work and was able to continue payments. I was fired from my job in XXXX of XXXX and ran into income issues again. I reached out to Bridgecrest again about my income issues on XX/XX/XXXX and received an email on XX/XX/XXXX. I tried to continue making payments- as best as I could but it has become very difficult. I am waiting on my federal refund and informed Bridgecrest about my financial woes. I told customer service that I needed an extension on my payment plan and that I had lost my job. I was informed that the extension could not be allowed by their customer service representative - who sounded very XXXX and XXXX American. It also sounded as if someone else was telling him to say the things he was saying. I was informed that only after about 90 days, would they allow an extension- which sounded a bit strange to me. I am still receiving almost daily phone calls about my current balance due but Ive continued to make payments- with my limited resources. The current balance that is past due is {$900.00}. Ive also noticed that somehow the valuation on my car is now {$14000.00} trade-in-value according to a XXXX report on my car.
Product: Credit card

My account was used without my authorization, I contacted them to let them know about the charges to my account I noticed some unusual activity on my credit card and notified them as they contacted me also, my credit card account ended up being closed because I wouldnt pay for unauthorized transactions my account had a limit of {$10000.00} now its a balance of almost {$23000.00} that I shouldnt be responsible for.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXXXXXX Balance Owed : {$4800.00}
Product: Student loan

In 2010 I enrolled in the XXXX XXXX  XXXX program. To start I was told the total cost for the program would be {$13000.00} ; when I started get statements from FedLoan the price was almost {$20000.00}. I was also not told by XXXX rep that the XXXX  part of the program would allow me to work as a XXXX XXXX, this was not true. XXXX does not have Accreditation nor do you get enough education to qualify for that type of job. Upon graduation, due to the constant exchange of teachers quiting, students were not receiving proper XXXX training, and thus did not have enough education to gain employment. Most of us were not allowed to take our state boards and the school Administrators would try and talk you in to re-enrolling to redo the course or even take something different. The school has since closed and I have been told through their company I am not allowed Loan forgiveness. I have never gotten a reason as to why I was charged more for school nor have I received a Graduate certificate and I was never eligible to take State testing to become a XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the following companies for them to validate the debt that they are reporting to the credit bureaus. It has been well over 30-days and I have not received a response, so I reached out to Experian to remove the items. I have patiently waited for them to update my credit history by disputing the accounts listed below but Experian has not responded to my letters. Please have Experian to remove the accounts listed below since they are unable to validate the debt that they claim belongs to me. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX credit card back in I believe XXXX. I ended up having to file a BK XXXX in XXXX of XXXX, in which XXXX was included. Fast forward eight years, now Portfolio Recovery says I opened up an account in XXXX, which isn't accurate. Funny thing is this is the first I'm hearing about this, and it's been eight years. I have only lived in two places, so it's not like my information changes much. 

They have placed this account in collections which lowered my score by XXXX points. I called to try and discuss this, and all she kept saying is file a report. Their number is XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, after I logged in my Citi bank account web portal with my personal credential, it popped up a window, and showed a message, which says if I apply to open a savings account and deposit certain amount of money, then I will get a sign-on bonus. The bonus amount varies depends on the balance. I followed the instruction and applied for a savings account, and transferred {$250000.00} to this account, and maintains the balance for 3 months, which was instructed by the promotion, and I expect {$1000.00} bonus as shown in the original promotional offer. 

On XX/XX/XXXX, I contacted Citi bank representative through their online chat, and they confirmed my eligibility, and told me the " promotional bonus will be credited to your account within 60 days ''. The screenshot of this conversation is attached. 

After 60 days, on XX/XX/XXXX, I haven't received the bonus as promised, so I contacted Citi customer service again, and they told me they will open a case to investigate the missing bonus. On XX/XX/XXXX, they sent me a message and notify me that I am not eligible for this promotion without detailed explanation. 
On XX/XX/XXXX, I contacted Citi again to try to get an explanation, the customer service representative won't explain.
Product: Debt collection

On XX/XX/2022 I received a Certifie mail with a bill from Pay Pal Credit Card I was surprised because I dont have a Credit Card with Pay Pal. So, I Call Pay Pal Credit Card Department at ( XXXX ) XXXX and they confirm that I have no Credit Card with Pay Pal. We spoke about how possible Identity theft ; And they recommended to make the report with Mail Theft, Credit Card XXXX, and Identity Theft. I already made the complaint or report to XXXX. XXXX XXXX XXXX https : XXXX online. This Letter stated that I have open and account on XX/XX/2022, with a new balance of {$4.00}, XXXX. I call but it was very suspicious asking personal information and form of payment. Even though i explain that I have no credit card Account with Pay Pal and also, I explained that the Pay Pal Account ID ( XXXX ) was not related to me but she insisted in a form of payment this the Phone No. XXXX if you need any additional information please call me ( XXXX ) XXXX or email me to XXXX XXXX
Product: Debt collection

In XXXX of XXXX I noticed my credit report showed a new collection from a company called Merchant Credit Gui. in the amount of {$220.00} to a medical account with no information provided. 

I immediately contacted the collection agency that was named in collection account, on my credit report, via the address provided. I sent them my initial letter in XXXX of XXXX initiating my DISPUTE. Thirty days after I initiated my DISPUTE with this company requesting a FULL INVESTIGATION, they never responded. Furthermore, I did advise them that they were in violation for first of all not annotating on my credit file, that this account was in DISPUTE, which they never did, and they didn't respond to my letter as well. 

On XX/XX/XXXX I reached out to them yet again, via Certified Mail SN # XXXX XXXX XXXX XXXX XXXX, which in fact was my SECOND letter to their office regarding this inaccurate entry on my report. I requested that they again, either investigate these charges for validity and provide me with this information, or delete this entry from my credit file, which still wasn't marked as being in DISPUTE and they haven't responded. 

As of XX/XX/XXXX, I wrote them yet again, via Certified Mail SN # XXXX XXXX XXXX XXXX XXXX, asking them to please do the right thing and remove this account that is being reporting in violation of the law and its inaccurate in its entirety. I also provided the SN # XXXX XXXX XXXX XXXX XXXX and the time stamp it was received which was XX/XX/XXXX @ XXXX, and all this still with no response, yet they continue to report this account. 

This is causing a major problem for me personally, and has hindered my family from acquiring the financial products that we need to purchase our first home. I have given them more than enough time to validate the information, and if nothing else to at least mark this as DISPUTED which they have not. I need this information REMOVED/DELETED off my credit reports immediately. There is no validity to this alleged account and they can not validate themselves. 

In closing, I am requesting that you have them remove these inaccurate entires on my credit reports without prejudice.
Product: Debt collection

CONSUMER ADJUSTMENT CO is claiming that I owe them {$870.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Mortgage

On XX/XX/2021 I paid off my mortgage, on XX/XX/2021 my bill pay accidentally sent another payment to my loan at citizens one bank. Realizing my error on or about XX/XX/2021 I contacted Citizens One and requested the overpayment. Citizens One said they would send another check on XX/XX/2021. Today on XX/XX/2021 Citizens One says they now need to mail me a form to request the monies owed to me.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX. I discovered a problem when I was denied a credit card from XXXX XXXX for a XXXX card on XXXX. They sourced that on a XXXX XXXX report, a company called Net Credit XXXX had reported a delinquent account was open in my name on XXXX. I call Net Credit and asked what this was about and was met with reluctance to help from their debt collecting department and fraud department. The only information they gave me was a mailing address, phone number, and email address in which the account was opened under. None of which were mine, all the while they kept asking me for more personal information. I told them I will not give them anymore of my personal information because if they can open account in my name ( without my knowledge and consent ), then they should have all they the information they would need on me already. So the call got disconnected and I was never able to get in touch with a representative because when ever I called they would hang up. I called XXXX XXXX ( XXXX and XXXX also ) and filed a dispute on the the debt as well as a complaint with my local law enforcement agency. About XXXX weeks later XXXX XXXX mailed me conclusion that side with Net Credit. I told them that I was not satisficed with the outcome and they reopened the investigation. I have also filed a complaint with the FTC. The other credit bureaus have not given me any findings yet. I was advised by the TN District Attorney XXXX Consumer Affairs to ad the CFPB to the list of agencies that I needed to report this matter to. The debt amount is {$3500.00} with an past due of {$640.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

While trying to refinance my mortgage I was told I had a freeze on my credit reports. I called Equifax and after about an hour had it lifted. I called XXXX and after about an hour I had it lifted. I called XXXX and was told to go on line. First, I never requested a credit freeze and second they make it impossible to get help in a timely manner. 

I would like to get this freeze lifted so I can go about the business of refinancing my mortgage. Can you help me??? 

If they have so much power over consumers we should have the ability to fix problems quickly and without crawling through hoops.
Product: Checking or savings account

We authorized XXXX to take {$1000.00} from our checking account on XX/XX/2019 to pay out of our contract early. {$70.00} was taken out on XX/XX/XXXX, we assumed that this was due to the 30 day notification requirement. Again on XX/XX/XXXX {$71.00} was debited from our checking account. When we contact our bank ( Chase ) they are of no help and say that we have to contact the company making the withdrawal, we have on several occasions with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am a Consumer who currently resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX County , did not give XXXX XXXX XXXX permissible purpose, nor did a court of competent jurisdiction issue an order for XXXX  XXXX XXXX to furnish an inquiry to Transunion, LLC. XXXX XXXX XXXX and Transunion, LLC. have both been placed on a Cease and Desist regarding this inquiry. XXXX XXXX XXXX and Transunion, LLC. are both violating the Graham-Leach-Bliley Act ( 15 U.S.C 6801, 15 U.S.C 6802, and 15 U.S.C 6803. Also, XXXX XXXX XXXX and Transunion, LLC. are committing Aggravated Identity Theft by transferring my nonpublic personal information without the lawful written consent of XXXX XXXX XXXX, Consumer. I, XXXX XXXX XXXX, Consumer, did not receive any benefit from this transaction.
Product: Checking or savings account

Since more than one month ago my online banking is not working. Im accesing from abroad ( XXXX ) and I called customer service using XXXX but I was requested to call from the number registered with the bank. 
So I called today XX/XX/XXXX, I was verified using my debit card and pin number, after that the representative asked me where I opened the account and Im XXXX that my account was opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> with the banker XXXX XXXX, but the representative said that is not correct and denied the service.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately - XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of iXXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.