23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was in the cohort of DoEd borrowers on PSLF who transitioned their PSLF servicing from MOHELA to FSA/studentaid.gov in the summer of XXXX, despite MOHELA servicing every other aspect of my loans. This transition placed me on an administrative forbearance.

To add to this confusion, during this transition the SAVE plan was also published and then subsequently challenged/frozen in court. All this resulted in me being placed on multiple forbearances, during which time conflicting information was shared by both FSA/DoEd as well as MOHELA as to whether or not these forbearance months would count as qualifying months towards my PSLF.

I've certified my employment as working for an eligible employer several times this year, the last being on XX/XX/XXXX, with FSA confirming my count is still at 115. Then on XX/XX/XXXX, at the instruction of FSA, I submitted a buyback request for the missing months, which is still in processing with no transparency.

I also submitted a request with MOHELA on XX/XX/XXXX to change payment plans to get me off SAVE and into an IDR plan to continue making eligible payments in case my buyback request with FSA didn't pan out. That is also stuck in processing.

After multiple attempts at outreach to both MOHELA and FSA/DoEd, I've been stuck in administrative limbo making no
progress towards my count of 120 in PSLF. I have been sitting at 115/120 since XXXX of 2024 and am well past what should have been my required 120 months of qualifying employment and payment. I have kept my end of the proverbial bargain when it comes to time spent in public service, and in return I've been forgotten.
Product: Debt collection

I XXXX XXXX XXXXXXXX XXXX XXXX for over XXXX years at this facility in XXXX Georgia. We had our insurance people come in every XXXX and we had the choices to make, and XXXX XXXX  was XXXX of the choices that we can make well. I chose it and I was on it for XXXX years. I tried to get my credit record cleaned up, but nothing was ever done. I paid money upfront. They took out {$50.00} every month or so, every every month on top of the money that was deducted out of my check automatically my credit record is still in shambles, and Im very disappointed that they have done this. I would like to get my money back out of them. Dates worked XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with the XXXX credit breuaes and I was no given a formal investigation or a response for the accounts I disputed! XXXX sent me a letter that had nothing to do with the disputes claiming it was someone else.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with 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 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. 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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

Last XX/XX/2018, I called Transunion to alert them that the available credit on a XXXX XXXX card in my name had been raised from {$15000.00} to {$20000.00}. I did not consider this to be a dispute, but quizzically they did and in response, they removed the entire credit card account from my file, which significantly decreased my available credit with respect to my credit score, thus negatively impacting my credit. They then made me go through a bunch of unnecessary hoops and obstacles, that involved spending hours on the phone with them and XXXX. But I did everything that they asked and by XX/XX/XXXX, everything should have been straightened out. XXXX assured me that they were reporting the account to all three credit bureaus, which I believe to be true because the account shows up on my XXXX and XXXX credit reports. However, Transunion is refusing to include this account in my credit profile, and thus, it continues to negatively impact my credit score as it dramatically reduces my available credit in their score calculation. They have spuriously tried to blame XXXX for the " error '' but I believe XXXX has correctly stated that it is reporting the account to all 3 credit bureaus, as the other two credit bureaus list the account in my profile. Even more frustrating, Transunion is aware of the account and still acknowledges its existence, but since I reported the credit balance increase in XX/XX/XXXX they simply decided to remove it from my profile and refuse to re-insert it. I find this decision of theirs to be arbitrary, nonsensical and harmful to my credit profile.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2020 I filed a dispute with Paypal about one of their merchants. I provided Paypal with massive amounts of information supporting my claim. They took well over 10 days to respond to my dispute without reviewing my documents and decided to close it. I appealed it and they came back with another closed case. Their reason was I chose the wrong dispute reason. I tried to change the reason and Paypal only gave me one option to choose and I chose it. After having done that It took them less than 10 hours to close the case permanently. I called and they have no customer service agents, I even sent a message through their online message portal and I have gotten nothing back from them regarding my dispute. What happened was on XX/XX/2020 I purchased a service from one of their merchants in the amount of XXXX. On XX/XX/XXXX the merchant canceled the service and did not return my funds. I contacted Paypal about it and they have not been willing to work with me at all. I can speak to no one, chat with no one, I have contacted the merchant and they are non responsive as well. PayPal is supposed to be a safe and secure way to pay for items and I have taken advantage of by their merchant with no resolve from them. I am contacting CFPB for help in this matter as Paypal had neglected their oath as a responsible party in this matter. Paypal gets a cut of the money I extended their merchant I am just trying to get my funds back. That is all seems like extortion. Please help!
Product: Checking or savings account

On XX/XX/2022, I was sent a WIRE TRANSFER from another Bank to my Bank of America Checking ( account # XXXX ) for {$5000.00}! Around XXXX they found the {$5000.00} using a Tracking number. Since XX/XX/2022, Bof A has not credited my account. I am XXXX, have been a Bof A customer for 52 years and they are treating me as the Nano-Particle I am, my {$5000.00} compared to their {$500.00} XXXX net worth! 
On or about XX/XX/XXXX my Banker at the XXXX XXXX. branch enrolled me in the Bof A Customer Complaint Section because he could not get any answers as to where the {$5000.00} was. The contact person at BofA Corporate, XXXX XXXX, can be reached at XXXX, ex XXXX. I was told that the Dept. handling the issue is understaffed and behind for about 6 months. The Customer Relations peersin mentioned her investigation may take 4 to 6 Months. HELP! XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX I received a phone call stating that I owed for a credit card that I have never heard of named Juniper Bank, the company that says that they are going to sue me for an amount of {$1000.00}. I tried to search for the company named XXXX XXXX XXXX XXXX they called me through 3-4 different area codes and states. The names of the ladies that called and threatened me was XXXX XXXX and XXXX XXXX. They stated that the credit card that was owed for was from XXXX of XXXX and that if I didn't give them a credit card payment over the phone right then, that they were going to have my wages garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) THERE IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND RESPECT FOR THE CONSUMER 'S RIGHTS TO PRIVACY. I DEMAND A DELETION OF ALL PERSONAL IDENTIFIABLE INFORMATION FROM MY CREDIT REPORT WITH THE EXCEPTION OF : 1. MY FULL NAME : XXXX XXXX XXXX, 2. MY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. PLEASE DELETE ALL OTHER ADDRESSES AND NAMES, I CAN NOT RECEIVE MAIL OR ANY CORRESPONDENCE NOR DID I EVER LIVED AT ANY OF THOSE ADDRESSES, OR USED ANY OTHER NAME EXCEPT MY OWN : XXXX XXXX XXXX. ALSO DELETE ANY OTHER PHONE NUMBER BESIDES ( XXXX ) XXXX FROM MY CREDIT REPORT. I DEMAND MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BE REMOVED FROM BEING DISPLAYED ON THE CREDIT FILE FOR PRIVACY REASONS. PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I AM A FEDERALLY PROTECTED CONSUMER AND HAVE A RIGHT TO PRIVACY. NOT GRANTING ME MY RIGHTS IS AN INDIRECT VIOLATION OF 15 USC 1681 AND ALL ITS SUBSECTIONS. PLEASE SEND AN UPDATED CREDIT REPORT ONCE THE CHANGES ARE COMPLETED TO MY CORRECTED ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TEXAS XXXX. 
I ENCLOSED A COPY OF MY STATE ID AND SOCIAL SECURITY CARD AS PROOF OF MY ADDRESS AND IDENTITY
Product: Vehicle loan or lease

My name is XXXX XXXX. In XXXX, me and my brother took a loan out for a car for my Mother. In XXXX, the car was totaled. After the insurance paid off part of the amount, Credit Acceptance said there was a balance of {$1000.00} on the account. In XXXX of this year, during this pandemic, Credit Acceptance put {$330.00} in interest on the account and placed two missed payments on it. When I contacted them to find out why, they said someone contacted them and agreed to make a {$600.00} payment and did not follow through. I spoke with my brother and he also did not call them. I did not contact this company and make any agreement with them. Apparently, they have been sharing my information with others without my consent. They also have been sharing information with varies family members in regards to my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 i noticed some questionable late payments on a closed account. The account also seemed to update monthly. To my understanding updating on a closed account manipulates the statute of limitations. Credit Bureaus are governed to furnish XXXX percent accuracy at all times and with this XXXX XXXX account on my credit report they have failed to maintain accurate records. The late payments you report are unproven. Please maintain XXXX percent accurate records or delete this account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 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 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 card

I was mailed a XXXX XXXX CHASE Credit Card offer in the mail. This violated my opt out submission that i placed online for 5 years. This is more than three months after requesting to be removed from the mailing lists.
Product: Checking or savings account

I had filed complaints with Huntington National Bank Executive Office in XXXX and XXXX. 

The complaint was about Bill Pay sending out checks that are mistaken for junk mail because the check are post card size check that are self enclosed ( not business class envelope ). 

Over the years ( 5 years ), I have heard about similar problems from local branches but Executive Office refuses to admit it. I received a letter from Executive Office that the checks that are mass mailed are business class but my checks are to limited/specific customers which are not business class. 

The Executive Office made it clear they are not going to change this practice. 

When these small Bill Pay checks gets lost, it causes lot of headaches ( i.e. late payment fees ) for my small business.

There needs to be standard/mandatory practice to mail business class ( self enclosed or envelope ) Bill Pay checks to avoid being thrown away or slip away when received along with junk mail received by other businesses. 

Huntington National bank XXXX XXXX XXXX XXXX XXXX, OH XXXX United States, XXXX, oh XXXX Executive Office Phone number
Product: Debt collection

Either my wife or I visited XXXX XXXX XXXX on XX/XX/XXXX. XXXX. My wife and I were estranged in XXXX, and I no longer lived at residence. I was XXXX  and in a XXXX XXXX from XXXX XXXX to XX/XX/XXXX. It took me another month before I could get my mail as I was technically XXXX  and needed to get mail from wife who didn't want to see me. In XXXX I got the bill for the XX/XX/XXXX service. At that time, I paid what I could and then went about setting up a payment plan with XXXX. At some point after that, mail from Audit and Adjustment company was being sent to my wife 's address. When I finally got it, I went to the website the collector gave me on their notice and input the account number they provided to make payments. All bundled together and no way to differentiate were XXXX XXXX which I assumed I had payment plan with, and discharged debts from my bankruptcy in XXXX. Which I know the collector was notified at every possible address associated with them. I can provide court documents. No way to not pay just the hospital bill. I needed to pay all including discharged debt. According to my statements I receive every month online from the hospital, everything is okay. I had no way of knowing whether my insurance finally remitted payment or what. All debts with hospital bills are under one account and once I setup automatic payments it all went green. This seems like dirty pool. When you are hospitalized for an extended time and can't get to mail. You shouldn't get out and get your mail and see a final notice statement when you had just gotten a first notice and the balance was still pending insurance claim processing. I didn't even have a chance to pay before it was in collections hands with them trying to collect whole account that includes discharged debts. Not get any notification as their notices were going to my estranged wife who was just throwing mail into a shoe box. I never got voicemail. Only voicemails I get are no information at all, just " to avoid further actions on our claim for damages, call xxx ''. I've never received recent communication about this and assumed according to statements from hospital that everything was just fine. I never received notification that the debt was turned over. I figured there was a lag in communication, and it was taken care of. Notice from XXXX I received in XXXX tells me to go online, enter account number and pay balance in full. If pay the balance of account in full, I'll also be paying discharged debt, and a debt I was led to believe was part of my payment plan with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I found several violations of the Fair Credit Reporting Act. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are considered to be a transaction. 15 U.S. Code 1666b - Timing of payments section ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given the option to opt out of having late payments post to my report. I currently show late payments of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXX/XX/XXXX I have made serval attempts to try to get this matter resolved. Further violation of my rights will result in legal actions. I also have a right to privacy.
Product: Bank account or service

On XX/XX/XXXX at a XXXX ATM a withdrawal transaction for the amount of {$200.00} took place without my authorization. A police report was filed at the police department located at XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX in which I was given a case number : XXXX. 
The police report was presented to Regions Bank to initiate an investigation in which it was concluded that the transaction was normal, that my card was used with my pin, which is FALSE. 
I then proceeded to the bank and was told that I should initiate my own investigation, which is very frustrating because if I do not show evidence of my own, the case will not be reopened. The bank does not want to help with the investigation to determine who obtained access to my personal information. The bank, I repeat, does not want to help me, so I come to you to solve this problem.
Product: Credit reporting

car dealer cancelled sale car was broke XXXX put it as repossession false info the car was broke and unfixable by XXXX contact info XXXX XXXX XXXX or XXXX XXXX XXXX can contact dealer.
Product: Credit card or prepaid card

I signed up for a XXXX XXXX card in XX/XX/2018 by clicking on a promotional banner on XXXX 's website stating that I would receive XXXX XXXX points. I signed up because of the promotion to earn XXXX reward points. I remember distinctly because I was in the middle of a hotel reservation that I had to redo because the application took so long and I called my best friend right after to brag because she had only received XXXX points. 

I spent over {$20000.00} on the card between XXXX and this month ( XX/XX/2018 ) only to find out that I would not get the XXXX points, but by some error, I was enrolled to only get two free nights ( up to XXXX points ). By another error, my two free nights were canceled, I was told in an attempt to give me the XXXX points instead. Chase then refused to reissue the free nights or to issue the XXXX points. Chase 's customer service team told me three different stories the three times I called to inquire about the points. 

I believe that Chase lied to me repeatedly to keep my business, they did not stand by their advertised promotion ( which was the only reason I enrolled and used the card ).
Product: Credit reporting or other personal consumer reports

I received a letter to provide additional identification even though I have provided my Driver Lic. copy of my social security card and a utility bill with my name and address. It appears they are slow walking my complaint because I submit the same docs every time I dispute and when I asked them to send me how they verified my incorrect information they ask me for additional information.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Disputed Information : ACCOUNT #, LAST VERIFIED, XXXX OF LAST ACTIVITY, CLOSED DATE LAST PAYMENT Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Disputed Information : ACCOUNT # ACCOUNT #, XXXX OF LAST ACTIVITY, XXXX REPORTED, CLOSED DATE and LAST PAYMENT Account Name : XXXX  XXXX Account Number : XXXX Disputed Information : ACCOUNT #, HIGH BALANCE, XXXX REPORTED, CLOSED DATE and LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, XXXX failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies