23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I qualify for the PSLF program. I have been working as a XXXX for XXXX years. I was sent papers saying that I had less than 10 payments accepted out of 120! I was astonished. 

I was told that you could make BIG payments every year and they would count for 12 payments. 
In addition, I looked at my Balance and I was DETERMINED to pay it off in 2 years ... not TEN years, so I could buy a house. at his point, I felt like no matter how many payments I made, it was a fraud, and I had to just pay it down FAST, because the higher the balance the more the INTEREST! 

I started changing my payments : XX/XX/XXXX XXXX required XX/XX/XXXX. XXXX higher payment XXXX more than required XXXX XXXX XXXX XXXX XXXX XXXX higher payments XXXX more for 3 months than required XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment XXXX over required XXXX XXXX XXXX no payments required XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XXXX. XXXX -- -- -- -- XXXX in overpayments made during the pandemic that I could have used for a downpayment for a house I called up Fed Loan in XXXX and went over all my overpayments. I was upset, because I got a letter that showed that now almost XXXX of my payments were being ACCEPTED. 

I was told that NONE OF MY OVERPAYMENTS MADE A DIFFERENCE TOWARDS PSLF and ONLY the XXXX amount or the min payment! 

I spent hours on the phone and we calculated the amount to be paid back to me. 
I was told it would take 2 weeks to 2 months for the money to be paid back to my bank account. 

We went through EVERY TRANSACTION. I was literally taking the money I would have used to BUY HOUSE, and the PAYMENTS WEREN'T EVEN MKING A DIFFERENCE. 

My payments for the past 9 years that I had been making were accepted! I literally have 10 more payments. Less than 1 year! 

I am still waiting for my money to be refunded ... ... as NONE of the OVERPAYMENTS COUNTED. 

I am still making the monthly payments to XXXX... now you can't even see the documents on FEDLOAN. But they are all the same and run by the government, it should all be documented! XXXX only shows the most recent payments. 

I can't wait for this mess to be OVER!!
Product: Credit reporting or other personal consumer reports

My name is incorrect on my credit report. My name is XXXX XXXX XXXX XXXX. They have it listed as XXXX XXXX and XXXX XXXX XXXX. This is my father. I have asked this be corrected as some of his debts continue to show on my report that belong to my father and my son but i keep getting a generic response stating this has been verified. I am asking they do a real check and not computer generated. This information is false and is not me. I have received a letter stating they want to see an Id. I have attached my state issue ID they also have an address as XXXX XXXX XXXX XXXX XXXX. This is not my address nor has ever been, This is my sons address and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wasted 3 hours today trying to cancel Experian Credit Report. 
The only option they give to cancel is via phone, and this is automated. 
I tried and tried and tried, and when I finally got through they said I didn't have an account with them. 
All I wanted to do was to cancel my monthly subscription of {$31.00} which is coming out of my XXXX card. 
So I called XXXX, and asked them to cancel it, on the grounds of not being able to cancel it is in fact fraudulent. So they then also tried and tried and tried to get through to XXXX on my behalf, but also couldn't get through. They as well became very frustrated. 
In my view, this is criminal, and should be illegal, to make it impossible to cancel a monthly service! 
I seek your help please. 
Thanks
Product: Debt collection

I have received phone calls and letters regarding a loan that was made to me by Republic Finance in XXXX, Alabama. This loan was made on XX/XX/XXXX in  XXXX, Alabama. I have not lived in XXXX, AL since XX/XX/XXXX and was not in XXXX on the date of the loan. I currently reside in XXXX County Alabama. The balance of the loan is XXXX. I do not know where this money is nor where it was deposited, cashed or secured. I do not know anything about it. I went back through my bank statements and there is not a transaction on this date in this amount. Apparently, it was one of those solicitation checks to sign and deposit for a loan. It was mailed to the apartment complex in XXXX where I previously resided.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reading the article about XXXX lawsuit this complaint is definitely needed. As long as I've had student loans I was never informed about the income driven until about a year or two ago. So I recently submitted my income driven application on the XX/XX/XXXX. I was informed that they had 14-17 days to input your application in there system. What baffles me is that they don't use the date the the application was received, they use the date that they put it into their system. Due to this, my account is now considered to be 112 days past due. Which has just hit my credit report and dropped my score down 63 points. XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I have been working hard on making sure that I am sending my payments on time, which is the XXXX of every month. With the agreement of $XXXX but I pay $XXXX and if I can pay more I will. I am in tears because I am working hard on trying to get my credit back on track and XXXX   has just set me back by almost 70 points. Just amazes me that XXXX will use the date that the application was received. At this point XXXX  has reported incorrect information on my credit report and I would like my income drive application to mimic the date it was received and that was XX/XX/18. This is not how you do business. The entire income drive and forbearance and deferments are a joke and a rip off. You have people that actually want to take care of debt and you end up XXXX them for do the right thing.
Product: Debt collection

I do not owe Common Wealth Financial for a debt. I did not go to the hospital on the date they have listed for this transaction XXXX/XXXX/2013. I have had to dispute items with them before and they were removed because they were placed in their office in error and I believe that this had been placed within there office as an error again as well. I have a previous letter of Placement in error from them for past issue with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in regard to accounts that are coming up on my credit report. I have absolutely no knowledge of these accounts and have sent letters requesting validation to them, to no avail! Also, I do not recognize the account names and account numbers.
Product: Credit card or prepaid card

Company has attempted to call me every day for over a month, and has also reported delinquent account 3 times in the past 2 weeks in an attempt to force me to pay the amount they say I owe. This is excessive and damaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had forgotten I had purchased a small item at Best Buy on XX/XX/18 ( thought I had purchased at XXXX where I had purchased other of same product ). I had not purchased anything from BB in a long time and was not receiving paper or paperless statements. ( *I 'd previously purchased major appliances and never had an issue. ) In XXXX I received notice of late payments and IMMEDIATELY paid for all late fees, interest, etc. on XX/XX/18. I have never been late for any payment to any creditor. When I spoke to them in XXXX, they said they would contact the credit bureaus to forgive the lateness since a technical issue. This still has not been remedied and have disputed multiple times. When I called again today, they said there is a federal law that prohibits them from correcting or forgiving lateness, even with my excellent history with them. I have gotten quite the turnaround and am hoping you can help rid these from my credit report. Please let me know what other information you need to assist you in helping rectify this. 
I am attaching a photo of a letter that sounds like they fixed it and in fact did not. 
Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n  cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX and the XXXX Credit Bureaus without any reasonable response. I had asked them to look at the evidence again after verified, but hung up on me. I'm filing a complaint to have the CFPB to ask the 3 credit bureaus and the furnisher to look thru my evidence. The account number is wrong. The late payments are inaccurate. The account has been reaged. Pls see attached.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularlyin light of the 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 exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid off a {$230000.00} mortgage loan to XXXX. Since XX/XX/XXXX, my mortgage had been in forbearance. The forbearance plan was to expire in XX/XX/XXXX. The loan was paid off before my forbearance expiration date and they have updated my credit in XXXX from 60 days late, starting in the beginning of the month, to now, with all 3 credit bureaus as 180 days late. All in one single month. If I was 180 days late at any time, why is it in the remarks/ account status, but not reflected thru 6 months of late reporting to credit bureaus. The 180 days is only reported for XX/XX/XXXX. So what happened to the prior 5 months? I didnt know you could get marked 180 days late, for 1 month? It makes no sense! This is my second consumer complaint on XXXX, since Ive been in forbearance. They are going to investigate this, and then proceed to lie, as they did previously. The have murdered my credit score, while in forbearance, but its like a scam. They report every month that you are late while in forbearance. The reporting, deducts from you credit score, but in the next month, these previous monthly marking disappear and appear to move to the next up coming month ( biggest scam ever )! So XXXX is telling me, that maybe the late reporting may fall off my credit report in 2 months. What a joke!! So you mess up my credit score, mark me 6 months late in forbearance, all in one month, and you tell me, Lets hope it falls off in a couple months! I want my credit fixed now, right now. I will never return to this Mortgage Company EVER! Fix my credit please!
Product: Credit reporting or other personal consumer reports

I submitted all documents to remove off my credit with all the forms that were requested & required. The law states in XXXX XXXX cases companies have 4 days to remove everything, your company did not, when I would call everyone I spoke to was rude & just kept repeating themselves & not helping me. I have been extremely frustrated over this none of the other credit companies gave me a hard time & I handed in everything that was required & requested. Your company acted like my voice wasnt enough or the voice of a XXXX XXXX advocate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from XXXX XXXX and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given XXXX XXXX   OR CREDCO Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, XXXX
Product: Credit card or prepaid card

I had about {$2400.00} on my EDD debit card. & days ago, I was going to use my card when it got declined and only had XXXX on the card. I called the bank and they said that XXXX, XXXX was debited to another account. Plus there was transactions debited on my card that I did not do. All I want is my money returned. It was close to XXXX and when I received my new card, it only had XXXX on it. They said it was money that was returned to me. How could that be if I haven't been using this card? I'm XXXX off and I want to do something about my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX closure date : XX/XX/XXXX balance update : XX/XX/XXXX. Past due balance listed : Date of last payment XX/XX/XXXX at {$17000.00}. 
Showing on my credit report as closed amount of {$2600.00}. I disputed on my credit reports and would like help removing as it is five years statute of limitations with a car loan. This is preventing me from getting future credit and negatively affecting my daily life.
Product: Debt collection

i sent a debt validation letter to midland credit management on XX/XX/year> they have not validated the debt as i received nothing in return and they keeo sending incorrect info to my XXXX credit report, this acct has been deleted fron both transunion report and expeirian report, due to age of acct, 7 years since date of deliquincy
Product: Credit reporting or other personal consumer reports

SYNCB/AMAZON PLCC XXXX XXXX I received an alert from XXXX XXXX about an hard inquiry on my Credit Report. I went to view the inquiry and it showed up as SYNCB/AMAZON PLCC XXXX XXXX, I have no knowledge of this account. For the past several months I have been paying off all debts in efforts to increase my credit score. I disputed with XXXX XX/XX/2023 and that same day my dispute was closed saying information was accurate and will remain on report. The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 CR SYNCB/AMAZON PLCC XXXX I then called SYNCB/AMAZON and they have XXXX record of an account or this information on my Credit Report. And suggested that XXXX provide me with information on how they did their investigation. 

This is not my inquiry and I need help in getting it removed.
Product: Debt collection

Ive tried numerous times to settle this debt which is due to identity theft and I also reach out to DISCOVER to inform them about this fraudulent account that was open up without my permission or consent by a friend of mines that were living with me at the time when this account was open BACK in XXXX so at this point Ive tried to reach a common ground with this company Nobody has taken this into consideration again this is not my account I never open an account with DISCOVER a and I had no knowledge of this account at all I will not keep repeating myself I will be taking other steps and at this point I WILL BE FILLING A LAWSUIT ON THIS COMPANY YOU WILL HEAR FROM MY LAWYER SOON
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Equifax lawsuit with the FTC in 2019 there was a data breach effecting XXXX XXXX consumers including me. According to Equifax this data breach resulted in my personal information such as social number, date of birth, name, and address to be stolen. Equifax failed to create a system that detects and responds to high risk security vulnerabilities allowing hackers easy access to my personal information.Equifax also failed to implement protections against many known and foreseeable vulnerabilities. It is there duty to protect the consumers PII and they have failed that duty. In result of their failures to comply with their duties I was a victim of identity theft.Equifax has already agreed to fund {$100.00} XXXX to the cfpb for the consumers who were effected liked me. I never gave consent to Equifax to store my information and as a federally protected consumer I have the right to privacy. Congress has found that Equifax assumed this role pursuant to 15 USC 1681a ( 3 ). I did not give Equifax consent to publish my information. They were being unfair, impartial and disregard my right to privacy pursuant to 15 USC 1681a ( 4 ).

Being this role was ASSUMED, equifax has no permissible purpose pursuant to 15 USC 1681b. I as the consumer never instructed equifax to finish this report and I never consented to any information on these reports to be true, if so I would like to see proof of this consent to furnish this report and where I consent to the information in the report to be furnished.
Product: Debt collection

I just received a call from XXXX, a man named XXXX XXXX who informed me that I would get legal action put against me from a US Bank credit card account from XXXX. The statute of limitations is not only up on this account, but I paid it in full through a collection agency called XXXX XXXX in XXXX which has now closed, but record has me paying off my account. The File number is XXXX. I have a letter saying I have paid that account in full. This is also shown as paid in full on my credit report. Please folllow-up with me on this issue. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. 
I have already contacted the FTC and local police to file a report. These items need to be deleted 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 and these inquiries are not mine either. XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX , XXXX, XXXX, XXXX , XXXX/XXXX, XXXX XXXX , XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  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: Vehicle loan or lease

Gm Finanial approved me for a vehicle loan on XX/XX/XXXX for XXXX XXXX XXXX XXXX with a {$500.00} dollar down payment and signed contract!!! After completing the deal and given the keys for the vehicle I brought my vehicle home everything was good!! I then recieved a text message from my salesman on the XXXX regarding my vehicle stating the bank needed 2 years of tax returns from me to complete my loan!!! At that time I ask him what he was talking about he then told me he was with a costmer and couldn't talk!! So I sent a text telling him to have a manager call me!! I didnt recieve a call until 3 days later when a manager named XXXX called and said I had not been approved and needed to return the vehicle and he could get me in a vehicle of XXXX dollars less value!! I informed the manager he could not do that per federal law he got mad and started yelling that I better return the vehicle right then or else! I hung up and called the police! The next day XXXX from XXXX XXXX contacted me via email to demand tax returns and I advised him that I had called the police and not to contact me again that I needed the owner or general manager to call me immediately!! I did not hear from the GM for over a week! At which time XXXX the manager for XXXX XXXX had sent me a document from GM Finacial that showed completely different loan information on it than the installment agreement I signed with a change of status to returned due to unable to verify 2 years of employment! This also didnt make since as I had provided 2 years of bank statements a XXXX tax return check stubs all to XXXX XXXX prior to the sale of the vehicle! I had obtained an approval email from my salesman on the XXXX of XXXX and I was never told about the change in contract the descepancy in length of loan and interest rates or the discrepancy in the amount of the loan which has over a XXXX dollar difference in the payment and finiace rate for the length of loan and no explanation as to where that XXXX dollars is! The documentation recieved from the dealer shows a fradulent car deal done purposely to commit criminal theft of money from me and the intent to have never intended to up hold the agreement!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a victim of Identity Theft and have already reached out to all 3 of the major CRAs as well as XXXX XXXX XXXX. I have also ailed all major CRAs as well as their registered agents they are associated with. I have never entered a consumer transaction with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX.