23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a public interest attorney and have been on the income based repayment plan ever since in XX/XX/XXXX. I have not missed any payment because of the Loan Repayment Assistant Progam that covers my monthly payment. 
For the year XX/XX/XXXX, I was late with recertifying my Income Based Repayment plan for 3 weeks ( the deadline was XX/XX/XXXX, but I submitted my recertification request on XX/XX/XXXX ). I missed the deadline because I was not aware of the deadline. My lender sent me a notification prior to recertification deadline twice via email only, but I was not checking the email account since that email account had been hacked previously. Now I just learned my interest has been capitalized and the principal loan amount increased as of XX/XX/XXXX. I called my lender several times to understand why it happened, and each time, different representatives gave me mixed answers- one told me it was because I was on forbearance, which I was not even on at that time, and someone else to me that it was because I made too many {$0.00} payments. I was not convinced with those reasons, and still called the lender several more times, and I got the most convincing answer that it was because I was late with my recertification request. I agree that it was partly my fault that I was late with recertification request, but the consequences of it, which is capitalization of interest, is too harsh for one negligent act, which was not intentional. I have been talking to my lender if I capitalization of interest can be undone in lieu of payment of penalty, but the lender says there 's nothing can be done.
Product: Payday loan, title loan, or personal loan

I took out a title loan on my truck. I was told I would pay a monthly payment and pay the remaining balance owed in 5 months. When I went to pay my last payment I was told I still owed over {$2000.00}. I paid about {$560.00} each month on time for 5 months. They did not tell me I was just paying a monthly payment for them to keep my loan. I 'm on a fixed income and its hard for me to pay that amount that is more than I draw a month. I tried to save my money this month and did not pay the monthly payment trying to get out of this mess and when I called to get the payoff I was told now I owe more than XXXX they are charging me XXXX for late fees. How is anyone suppose to get out from under this when they do n't disclose the proper info. The girl that did not tell me that the payment I was making each month was just to keep the loan she said it was a monthly payment they were making it easier for people to pay off the loans. I talked to the manager in XXXX XXXX when I went to what I was thinking making my last payment on the loan to find out I still owed over {$2000.00}. I informed her that was not how the loan was described to me and what I was told was very misleading. The girl was talking small talk to keep me from asking other questions. I had just done a 60 day loan and was refinancing it and she told me they had a new loan you just paid off in 5 months it was a lot better and easier for people to pay off would I like to chose that route and I said yes that would make it a lot easier on me. But never did I think I was paying that much each month for them just to keep my loan and still owe them the balance. I 've paid them over {$4000.00} and still owe them now {$33000.00} on a {$2000.00} loan. How is anyone suppose to get under this type of loan with all these fees. That is more than I draw a month I 'm a XXXX worker.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to submit a formal complaint to appeal the permanent limitation of my PayPal account , which I believe has been placed by mistake. My PayPal account email address is XXXX. 

Firstly, I would like to emphasize that I have not violated any of PayPal 's policies or terms of service. Therefore, the permanent limitation of my account has come as a surprise to me. 

Secondly, I would like to request that PayPal re-investigates my case to determine that the limitation was placed by mistake. I understand that PayPal has its own procedures to ensure the safety and security of its platform and users, but I am confident that a mistake may have been made in my case. 

Lastly, I would like to request that PayPal restores my account if possible. I am a loyal PayPal user and have always used the platform for legitimate transactions. The limitation of my account has caused significant inconvenience, and I would appreciate if PayPal could reconsider its decision. 

I hope that my request for appeal will be given due consideration, and I am willing to cooperate fully with any investigations that PayPal deems necessary. Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

I charge large amounts, but pay off my balance in full every month. For the payment that was due XX/XX/XXXX, I made several payments using XXXX XX/XX/XXXXbill pay function, as I do every month ( as I have several accounts that I pay my American Express bill from ). The last payment of {$3000.00} was made on XX/XX/XXXX to be delivered to XXXX onXX/XX/XXXX. On XXXX XXXX, I was notified from XXXX that the payment they sent came back as undeliverable. I immediately went on to the XXXX site, paid the {$3000.00} in full and then started a customer chat with XXXX. They told me they could do nothing about the situation until the next bill was issued. I tried the chat again on XXXX XXXX and was connected to XXXX, who was of no help and told me he could do nothing to assist me before even understanding my situation. I asked for a supervisor and was connected to XXXX. She seemed to understand the situation and asked me to upload my documents to prove my story. I did so via the link provided. I heard nothing back, so tried the chat again on XXXX. I went through all of these details and asked them to review my upload. They told me the case was closed and I would be charged over {$100.00} in interest. I then got on the phone and proceeded to fight with the customer service representative XXXX for over an hour. I repeated my story and asked to speak to a supervisor no fewer than 5 times. After placing me on hold repeatedly and refusing to get a supervisor, she told me the case was closed and that they could not help me. Only after 30 minutes into the conversation did she finally investigate my document upload and tell me they never received it. I asked to upload it again and demanded a supervisor. This took another 15-20 minutes, and she told me all supervisors were busy. I uploaded the documents again and received a case number of XXXX. I told her that I would hold all night and wait for a supervisor. She then finally said that she would " endorse '' a supervisor call but they would have to call me. I have heard nothing. I ca n't get an email address or phone number to reach anyone other than the basic customer representative, so I reached out via XX/XX/XXXX. I explained my situation AGAIN and they sent a canned message to contact them via chat. Any time I asked for a supervisor phone number or emai, they just kept sending this same message. I am beyond frustrated.
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. XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.Code 1681 Section 602 A. States I have the right to privacy.

15 U.S.Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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.

Inaccurate information on length of account. 
Inacurrate information on payments of account.
Product: Mortgage

My mortgage servicer The Money Source TMS. I filled out the form on their website on XX/XX/XXXX asking for deferral and requesting a call back. Their website said they would call me and where experiencing a high call volume just to wait for them to call me not to call in. It also said that I might receive letter in the mail but it would not go on my credit.. 

I have been calling TMS the Money Source since XX/XX/XXXX. As soon as I noticed a derogatory mark on my credit report from TMS I started calling them.TMS told me someone would call me back in 48 hours  and I never received call back. 

Ive called TMS over 10 times and hear a different story each time. One time they said I have never filled out the forbearance form for call back and that I never went to their site on XX/XX/XXXX and I logged back in on XX/XX/XXXX to check. I have screenshots of my history showing I accessed their site both those days. I have attached this screenshot Another time they said the laws in the state of Nevada prevented them for calling about anything to do with a debt. 

I have tried to use waybeackmachine to get archive of the page but it was from within my account so they dont have copy of the actual screen. I would not have this url if I never accessed and filled out their form. Attached is another screenshot of me trying to search in waybackmachine. 

I have an open case with Fannie Mae but so far they have been unable to do anything because TMS just tells them that I never signed up for forbearance. 

My credit score was over 740 before this and have not missed any credit card or mortgage payment ever. My place of employment closed in XXXX due to COVID-19 and I have had no income since then. I have been using my credit cards and now credit cards are canceling due to derogatory remark on my credit card and late mortgage payments.
Product: Debt collection

In early XXXX I found out that a fraudulent account for Discover card had been opened under my personal information. I tried working it out with the bank but they did not believe that my account was fraudulent. Discover claimed that I had transferred my credit to XXXX XXXX XXXX, something that had never happened ( even fraudulently ) because when I talked to severa XXXX XXXX XXXX representatives there are no existing account under my information. I appealed to the credit bureaus : XXXX and XXXX who had told me that they will open a dispute with Discover. I received confirmation in late XXXX from XXXX and XXXX stating that the case has been successfully resolved ; Discover had removed me from their end ; it was also removed from my credit report and I received a new credit report stating that my Discover card is now closed. However about two weeks ago I received repeated phone calls from Discover asking me to pay " debt '' and that my card was never closed.
Product: Debt collection

This company call repeatedly throughout the day, sometimes in excess of  12  times, all from different numbers. They have also contacted a friend of mine several thousands of miles away, several times this past week. Yesterday and just today was the last time. A woman by the name of  XXXX   XXXX  called from  XXXX . She told my friend that she thought she was me, then asked for my number. She was told no information would be given to her without her stating who she was and what company she was calling from. She would not disclose the company name. I have sent several e-mails as well as letters to the company asking them to stop calling my friends and family, and stop harassing me several times per day, and the continue to do so!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score. I feel like I'm being taken advantage of for being ignored by my disputes. I feel that this accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts I need this problem get fixed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

For whatever reason they keep putting this inaccurate XXXX on my credit reports that they actual made the error on when I asked them to add my XXXX. The attached is NOT my address and NEVER was!
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint of fraudulent inquires on credit report on XX/XX/19, fraud alert place don account same day. Investigation came back with inquires as accurate on XX/XX/19. I requested the method used to verify the inquires be sent to me i was told no by a Representative. I was told they are accurate. I ave never asked for credit form the following companies : >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX  XXXX XXXX, XXXX VA XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX MD XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MD XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX KS XXXX >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXX
Product: Credit card or prepaid card

I had a Bank of America XXXX Rewards card with almost XXXX rewards points. 
Without any warning, BOA closed my account because they claimed I had not used it. 
This is a travel card and clearly in the current pandemic, I was not travelling and I had other things to think about. I believe they could have sent me a warning that they intended to close my account but deliberately did not do so in order to defraud me out of the bonus. It's not like they only wanted to send minimal communications ; they sent tons of emails about other things. 

After the card was closed, I did receive a letter saying I had 90 days to claim the rewards points and I have tried to do this several times. I have been on the phone with them about this which requires a long hold period only to be hung up on ( accidently? ) when i finally reached an agent.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an inaccurate and unresolved issue on my credit report with Experian. 

The issue pertains to loan accounts I had with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Both loans were fully paid off 3 years ago, and I have provided all necessary evidence of payment to Experian. However, the accounts are still marked as active and are negatively impacting my XXXX XXXX. 

Upon contacting Experian, they informed me that they are unable to update the report as they can not contact the loan providers due to their licenses being canceled by the XXXXXXXX XXXX XXXX XXXX ( XXXX ). This leaves me with no option to resolve the issue directly with the lenders. 

XXXX XXXX : XXXX. The loan accounts were settled and paid in full 3 years ago. 


XXXX. Both loan providers, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, had their licenses canceled by the XXXX, and the companies are no longer operational. 


XXXX. Experian has refused to resolve the issue, citing the inability to verify the information This unresolved issue is severely affecting my financial standing, as the incorrect information on my credit report has lowered my XXXX XXXX and caused issues with accessing new credit facilities.
Product: Credit reporting or other personal consumer reports

I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. Rectifying these issues promptly is crucial to ensure the accuracy and fairness of my credit profile. 

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : Inaccuracies exist in the reporting of late payments on my credit report. 

2.Credit Utilization : Reporting of credit utilization on my credit report contains inaccuracies. 

3. Personal Information : The reporting of personal information, such as names, addresses, phone numbers, and employers, is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). 

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ). 

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with XXXX, XXXX, and Transunion. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested. 

10. Correction of Personal Information : I request the correction of personal information to reflect only one name ( XXXX XXXX ), one address ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ), one phone number ( XXXX ), and no employers. 

11. Deletion of Personal Statement on Transunion Report : I request the immediate deletion of the personal statement on the Transunion consumer report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, XXXX, and Transunion systems concerning my consumer report. 

13. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

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

I am writing this complaint with regards to the data breach of Equifax data reported on XXXX XXXX 2017 ( but discovered in late XX/XX/XXXX ). I am upset for these reasons : 1. That Equifax allowed this to happen ion the first place.
2. They do n't offer lifetime credit monitoring for free, instead only offering a year.
3. Signing up for this year requires me to relinquish my right to join in a class action lawsuit Please punish this company severely for this breach of trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding information on my credit report regarding 2 accounts which are not mine and this credit reporting agency has not required the businesses submitting the derogatory remarks on my credit report for proof supporting their remarks. Additionally, Equifax has not removed these negative comments from my credit report and it has affected me in a negative manner. The following businesses are fabricating derogatory information and dates to hurt my credit report. These businesses are listed as follows : XXXX XXXX, XXXX - They indicate I opened an account 2yrs, 4 mos ago. 
They are fabricating information. I have had " pay as you go '' phone service for over 6 years now. If you don't pay, you don't get phone service. Further, this company is indicating I owe them {$1300.00}. I dispute the validity of this account and the amount owed in its entirety. FYI - I have also been a victim of Identity theft 4 different times. 

XXXX XXXX XXXX ( 3yrs, 6 mos ) for {$120.00}. I disputed all the information and the validity of this account in its entirety. They are indicating I opened an account with them 3 yrs, 6 mos ago and owe them {$120.00}. FYI - I have also been a victim of identity theft 4 different times.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is related to the cre ditor Bayview Financial.    I have notifi ed Bayview Financial in writin g and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by bayview financial.   I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and  Bayview Financial ha s n't provided me with anything. Please help!