23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I initially had my student loans with XXXX XXXX  and I have been working in public service for almost 10 years. Since I have almost met the 10 year mark ( 1.5 years away ), I decided to apply for the loan forgiveness program with XXXX XXXX. The loans were transferred over successfully ( 2 months later ) and then I started receiving letters that I will need to change to a qualifying payment plan. I called them twice to figure out what was going on and today I find out that my loans do not qualify for the forgiveness program because I'm not in the right payment plan. If I had known this, I would have never ever transferred my loans over to them. With the forgiveness program, I would end up paying way more than I borrowed originally or would have paid off with my original payment plan. I told the supervisor that what they are doing is considered fraud and they should be more clear in terms of who actually qualifies for forgiveness eligibility. The supervisor at the loan office acted like this was all transparent. Their definition of eligible repayment plan was never clarified for me. When I asked if I was the first person to call in about this, the supervisor said no. She just kept mentioning it was on the sheet I signed which it wasn't. Needless to say, I will be transferring my loans yet again to another service. In short, be very careful before you apply to the loan forgiveness program with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX never preform a proper investigation accounting to FCRA requirements with XXXX account XXXX. The term investigation consumer report means a consumer report or portion thereof in which information on a consumer character general reputation, reputation personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquaintances or whom has knowledge concerning any such item or information. XXXX did not do this. XXXX has violated the FCRA because 15 USC 1681 section 602a states I gave the right to privacy. 15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish a account without my written instructions. I did not give XXXX or anyone permission to report this account or my personal information with this account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 in months that are reported late to be removed. 

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditor XXXX XXXX XXXX  ( XXXX ) to pay off the balance for the amount of XXXX. We had an agreement such that the account would be removed from my credit report after paying off the balance in full. This payment was made in 2020. I just thoroughly reviewed my credit report from all three credit bureaus only to find that not only was it not removed from my report but also that it contains conflicting information on my payment status. I paid this in full but on my XXXX report, the account status states that it was paid in full for less than full balance. Transunion it show the account was paid off. All in all, I paid the account off and the agreement wasn't followed to remove account from my credit report from ALL credit reporting agencies after I agreed to pay the account off.
Product: Checking or savings account

I am a victim of identity theft since early XXXX as I have received a number of bank accounts opened in my name with only some of my information matching but phone number and e-mail addresses not matching. 
Square/Cash App is one of these accounts that were fraudulently opened using much but not all of my personal information. Since it is an online only account the only way you can talk to anyone or do anything is through the Cash App mobile application. I did not open this account so the validation processes of phone number or e-mail address do not match the account so I can't access it or register with the application to talk to someone. There is no phone number on the debit card I received and I can not find one online either.

Since I can't register with the app and have no phone number to call, I called Square who owns the Cash App bank. Talking to people on the phone is a waste of time as they redirected me back to the Cash App to resolve my issue, which of course is not possible because I am a victim of fraud. I then attempted to use the chat feature with Square and again was directed to the Cash App application for assistance. I was able to get someone from Square to e-mail me but after going around and around they referred me back to the Cash App application. I can not get any help or talk to anyone within Square or the Cash App to help me close this fraudulent account.

All I want is to be able to close my account and not open any additional accounts with this shady company ( Square/Cash App ).
Product: Credit card or prepaid card

On the weekend of XX/XX/XXXX money was transferred without my knowledge or consent from my credit card account into my checking account which then was withdrawn. I contacted wellsfargo on XX/XX/XXXX and had to file the claim 3 times because they kept telling me that nothing was reported to them. Then I received a letter from WellsFargo stating that they can't send money from my checking into my credit card because I don't have enough to cover the amount. The reason being is because the money was taken out! They won't remove any of the fees or return any of the money. The amount was close to {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for a new mortgage, I was told that I have no credit score, absolute XXXX. I am XXXX XXXX XXXX and have about 50 years of credit history : loans, mortgages, credit cards, bills paid, etc. The last mortgage I took out was in XXXX. It was paid off in full in XXXX. At the time my credit score was near XXXX. Now the lenders say there is no credit score at all. I tried to contact Experian to see what the problem is, but can't get through to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was reviewing my credit report and noticed that Experian had taken off good information on my credit report That resulted in taking my credit score down XXXX points. I called customer support and they told me that there was nothing they could do about it. well the next day they put everything back on my report and damaged it even more. My rights have been violated so heavily at this point I was denied credit for the emergency relief for COVID -19 and also caused me to have a XXXX XXXX I worked very hard to establish credit and I am very faithful at paying my bills on time.The other bureaus XXXX and XXXX  are XXXX pts more than Experian and they have all the correct information on them. Experian has put accounts on my report that were taken off years ago and have them on there as open account and they are closed. This has caused me so much stress and havic. It is erroneous information that they have tried ro clean up due to my complaint with the XXXX XXXX XXXX  They have really caused a big problem. I want my report corrected and the score that I deserve. The account put back as they should be and the information taken off that should be off. This is really time consuming, and costly.
Product: Vehicle loan or lease

Porsche Financial Services has incompetent management that reports you late and then hides errors. Even when your on time. XXXX XXXX admitted he would lie if we paid it off even though it was their mistake. We have recording for the regulator. Their payment management system always is failing but they take advantage of customers. We actually have Porsche XXXX admitting they did this and have them on recording. I will take severe legal action as they have same problem as XXXX. XXXX, XXXX, and XXXX steal from young military families. You cant let this happen. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Dispute is detailed and related to the accounts listed in this letter. I am exercising my rights under FCRA XXXX ( a ) ( XXXX ) for you to furnish copies of all documents you used to verify the accounts listed within the XXXX XXXX allowed by FCRA XXXX or delete them immediately. 
If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I contact our XXXX loan company in XXXX, Virginia, CHECK INTO CASH and asked 1 ) do I have a grace period for the loan and how long it was. 2 ) what is the amount of late fee and 3 ) what was my husbands loan pay off amount. I was told that my husband and I had 7 days from payment due date before a {$25.00} late fee was added. I asked no more than {$25.00}? XXXX at CHECK INTO CASH told me no. Just {$25.00}. She said my husbands PAY OFF amount was {$760.00}. I asked if I pay it off on XX/XX/2021 would it still be {$760.00}? She said yes. She said it wouldnt even be 7 days late. I phoned CHECK INTO CASH today to pay my husbands loan off and was told by XXXX that the amount of payoff is {$970.00}. I told her what XXXX had said and she said that 30 days of interest had been added on! I told her NO ONE at CHECK INTO CASH had told us that. Even on the day we rolled it over for the last time due to some new law passed by the governor of VA about no more payday loans as told to us by XXXX at CHECK INTO CASH on XX/XX/XXXX. She said we could pay it off then or start making payments. Today XXXX stated since we hadnt made our first payment yet that the pay off was not {$760.00} it was XXXX with the 30 days of interest! 
This is FRAUD!! I can only imagine the people being charged like this who dont understand like I dont!! Since this is a new way to loan because of the new laws by our governor I dont think THEY understood in XXXX or they just didnt disclose. Please help me!! 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to close my disputes regarding a hard inquiry posted on my credit report on XX/XX/22 by XXXX XXXX. I have not applied for credit with XXXX XXXX. I need Equifax to provide me proof this belongs to me since XXXX has already provided me a written confirmation this was not made by me.
Product: Credit reporting or other personal consumer reports

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either Inaccurate, Unverifiable, or Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Your improper procedures are highly damaging to my credit score. Please immediately delete these hard inquiries, reflected on my Equifax Credit Bureau. 

HARD INQUIRY DISPUTES ( FRAUD ) : NOT MY INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX & XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Date XX/XX/XXXX MOHELA RE : Paid in Full Student Loan and discharge I paid my full amount oXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX, ( {$57000.00} ) my student loan account number # XXXX is paid in full and accepted by the IRS. My XXXX XXXX discharged loan amount is considered income via the IRS. I know it is the Trustee responsible to discharge this debt. Please make sure it was done. I reported the discharge debt as income on my taxes for XXXX tax year. As required by the IRS, I have included the discharge amount in my taxable income and paid any applicable taxes on it. I trust that this information will help help ensure compliance with tax regulations and reporting requirements. 

Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently on rotation in XXXX. While checking my credit score, I noticed that I received a delinqency on my account for allegedly missing payments from XX/XX/2023 to XX/XX/2023. However, I have payment history showing that I have made these payments on time. They tagged me for 30 day late payments and my credit score has tanked. I attempted to call and was told to send a letter of good will as the loan officer could do nothing about the situation on their end. I find it ridiculous that I need to send a letter of good will in for a mistake that I did not make. They claimed that it was due to my XX/XX/2023 payment coming out on XX/XX/2023. Which doesn't meet the delinquency time span and it is late of 1 day.
Product: Credit card or prepaid card

On or about XX/XX/2019 I purchased a XXXX prepaid phone airtime Ecard from XXXX. 
Once the Ecard arrived in my inbox I tried to use the included pin number to install the airtime on my XXXX. I noticed the pin number was rejected when I tried to use it. 

I then contacted XXXX to see if I could resolve the problem and was told that although the pin number was good, the airtime card was not made for my type of phone. 

I then contacted XXXX stores and explained my predicament to them and asked for a refund. Upon my inquiry, I was told that XXXX stores does not offer refunds for phone airtime cards. Matter of fact, if XXXX  would have been willing to offer me a credit to spend at any of their stores, that would have been fine with me. But no, that was it, case closed! 

Anyhow I then decided that since I had made the purchase with the XXXX XXXX XXXX card that connects to my checking account that I would take the matter up with my bank ( XXXX XXXX ) and contest the charge ( see documentation ) Yesterday, XX/XX/XXXX, I decided to pay my XXXX XXXX Credit Card balance and noticed the transaction I had made with the debit card had now migrated to the XXXX Credit Card ( see documentation ) Matter of fact, if you call up XXXX and inquire if the Ecard pin number has ever been used, they will corroborate that it never has been used.
Product: Money transfer, virtual currency, or money service

Monies were transferred twice, to a bank in XXXX, TX, once on XX/XX/XXXX and XX/XX/XXXX for a work visa and health insurance for the XXXX in regards to a job with XXXX XXXX XXXX. This job as it seems never existed.
Product: Credit reporting or other personal consumer reports

XXXX has violated my right under 1681 ( b ). Credit bureau will not provide me a score nor will they allow me to use the portal to dispute inaccurate information. I am being asked for proof of identity over and over which is clearly a stall tactic. 

This complaint relates to Complaints : XXXX XXXX XXXX XXXX XXXX XXXX Correct birthday as it relates to documents! Please review carefully.
Product: Vehicle loan or lease

I originally filed a Complaint back in XX/XX/XXXX. Please refer to complaint # XXXX. Tidewater XXXX Finance was breaking several credit privacy and harassment laws trying to intimidate my entire family speaking to my boss, harassing my neighbors and causing emotional and financial stress refusing to tale payments for almost 2 years and putting us in a black hole of runaround anytime we tried to contact them. 

After they responded to previous complaint we still could not reach anyone to settle any terms refusing tp accept anything but the full amount for the vehicle and we never received any contact from the manager who responded to you saying that he would contact us so on XX/XX/XXXX the vehicle was surrendered to XXXX XXXX and Tidewater was contacted and told the vehicles location and to pick it up because we were afraid they would charge inaccurate maintenance fees and wanted documented proof that we did not have this vehicle. 

The entire loan from XX/XX/XXXX until the current date we have not received any final loan terms, or any vehicle payment statements. We had complained that we never had access to their website to pay the bill but needed the terms of contract to verify agreement of final terms since it was " TBA '' on dealer contract and we did not know who our lender was at signing. 

2 years go by and they reported nothing. They have the vehicle. I never received ANY bills or communication from them at all and for the last 16 months they have destroyed my credit continuing to charge me like im missing payments PLUS INTEREST ON A VEHICLE I HAVE NOT HAD FOR THREE YEARS AND ITS UP TO {$35000.00}??!! How can thia be legal when i have nothing in writing stating anything including the original paperwork from the financing??!! 

I have disputed their practices through XX/XX/XXXX and the company continues to charge monthly payments when they have the vehicle. Did I miss any law that allows any creditor or bank to stay dormant for years after what they did to me and my family and now destroying my credit with no regard for the law.
Product: Credit reporting or other personal consumer reports

I was informed that my social security number was found on the dark web. I immediately set up accounts with the transunion, XXXX and experian. It worked perfectly so I could freeze my credit with XXXX and XXXX. Transunion said I could not access my account. I called in and they said that there was a permanent fraud lock on my account and i can not ever access it. It will be on there forever. I was told that there is nothing I can do about it. They will not give me any information regarding the supposed fraud. When it happened, who reported it, why it happened. They refuse to give me any information. Now, twice, someone has initiated calls to me from the Trans union number trying to get me to give my Social Security number to them over the phone. They are in XXXX XXXX, a hub for fraud and scams. I believe because i refused to give them my Social over the phone, which they say they will never ask for it over the phone, yet have called me and asked twice. I want to be able to access my account without having to deal with their fraud and schemes over the phone.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX and they notified me that they use XXXX  to screen teanants I contacted XXXX and they informed me that CIC provides them with applicant information that they provide to XXXX XXXXXXXX XXXX XXXXXXXX. I requested my report from CIC and on it was housing that I never obtained. I filed notifying that it did not belong to me and I also was notified by XXXX XXXX that they are providing and sharing the fraudulent information with them as well. XXXX XXXX said that the CIC was not regulated with the FCRA and should not be sharing information publically with companies. 
And they can not share that information that could prevent me from obtaining housing because it would be unlawful for them to do so. 

They have records attached to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC reporting 2 evictions from that address from a company listed as XXXX XXXX I can provided my full social security number, and my full name and information That information does not belong to me CIC also did not share my full report that they share with XXXX  they sent me a portion. Due to my rights I want CIC to remove the fraudulent information that it has attached to my identitiy. Under Fair Credit Reporting Act. 

The Address for CIC is : CIC Contemporary Information Corporation XXXX XXXX XXXX # XXXX XXXX, GA XXXX