23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Good morning. I recently filed and got a repayment plan in place which is suitable. Where I am having problems is that I worked in the nonprofit sector serving under served communities for 15 years and NAVIENT won't allow me to file for loan forgiveness. My student loans from XXXX University and Virginia XXXX for the most part would fall under the forgiveness. 

My loans have changed hands ( 4 ) times. First with the banks, then XXXX XXXX XXXX, then Sallie Mae and then NAVIENT. I filled out the form with XXXX and Sallie Mae and since my loans are with NAVIENT the forms have been lost and they ( multiple representatives ) said I can't file for it. 

I need help getting my loans forgiven, I need a manager from NAVIENT to speak with me that has knowledge of loan forgiveness and is willing to assist in this matter because I have served my community and would like the loans to be forgiven. I was calling NAVIENT between XX/XX/XXXX-XX/XX/XXXX and never got anywhere with them. One woman told me in the summer of XX/XX/XXXX that I should have filed paper work when I started working out of college in XX/XX/XXXXand I explained to her that I did many years but my loans have changed companies numerous times and that I should not be penalized for it. 

Can someone please help me. I appreciate it.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Also, somehow the date I discovered it and the date the fraud begin got switch around as I was downloading the document. For XXXX. XXXX XXXX the fraud begin XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Paypal took {$280.00} from my Paypal account and they can not explain why. I have called 16 times and asked for managers and supervisors over the past month and get different answers each time I call. They are trying to link it to a XXXX  XXXX, XXXX XXXX, who reserved our house back in XX/XX/XXXX. She paid a deposit on my Paypal account with a XXXX XXXX Credit Card in XX/XX/XXXX. Then she cancelled a few months later. We were out of the country at the time and could not refund her from my Paypal account because there were no funds in it at the time ; so we refunded her through my husband 's Paypal account ( XXXX XXXX ). When XXXX  didn't get her refund right away, she filed a dispute with XXXX XXXX, but then got the funds in a few days and cancelled the dispute the next day. Nearly 4 weeks after my husband paid her, Paypal took the funds from my account and told me they put it in XXXX 's Paypal account. For several weeks she looked for the credit and it never came. We have been in constant contact with her regarding this issue and she is also quite frustrated with Paypal who gives her different stories every time she calls too. She stated and proved to us and Paypal by sending a screen shot of her account that she never received the funds from Paypal. Also she sent to them and us proof that she got the refund from my husbands Paypal account and was not owed any money any longer. Then on XX/XX/XXXX, Paypal told XXXX  they sent the funds to her credit card by a " forced refund '' and that it would show up on her credit card statement by XX/XX/XXXX. It never did show up on her statement. Meanwhile Paypal told me they were " holding '' the funds to see what XXXX XXXX  would do with the dispute. XXXX sent them documentation proof that XXXX had cancelled the dispute. Each time one of us tries to refer to the others Paypal account, Paypal tell us they can not discuss anything with her or us since the other party is not on the phone and they keep telling me the same that they could not discuss anything since XXXX or my husband was on the phone and told him the same when he called about his payment to XXXX. 

Now, XX/XX/XXXX, Paypal claims that XXXX took the money from them because of the dispute and that they took it from me to recover their funds and told me to dispute it with my husband 's bank since he paid her from Paypal through his credit union. The credit union is confused and will not refund my husband because Paypal owes us the money. 

On XX/XX/2018, Paypal refuses to refund the money they took out of my Paypal account and I see no recourse for getting my money back. I have done research on the internet and found hundreds of similar and worse stories about Paypal. Seems no one is really regulating them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be removed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I am writing to dispute an error on my credit report regarding my SST account with Systems & Services Technologies. The account is still reported as delinquent despite paying the outstanding late payments in full, plus an additional monthly payment. 

On XXXX XXXX, I paid {$2900.00} to cover the overdue balance and the next month 's payment. This payment was accepted by Systems & Services Technologies, and I confirmed with them that the account was brought up to date and agreed to work with me on finding a However, my credit report still shows the account as delinquent. I believe this is an error and request that Systems & Services Technologies correct the reporting to reflect the account 's current status as current or paid up to date. 

I have attached documentation supporting my payments and communication with Systems & Services Technologies on a recorded line on Thursday XX/XX/XXXX, at XXXX pm central time. I would appreciate your assistance in resolving this matter and ensuring the accuracy of my credit report. '' my account with Systems & Services Technologies ( SST ), which was previously managed by XXXXXXXX XXXX XXXX XXXX. Despite fulfilling the terms of our agreement and paying XXXX consecutive payments, I did not receive the promised one-payment reward. This reward would have covered the outstanding balance, making the account current and removing the XXXX late payment mark. 

I wanted to express my sincere appreciation for your efforts in promoting fair and transparent financial practices. Your dedication to protecting consumers and holding financial institutions accountable is truly commendable.
Product: Mortgage

We have had issues with Selene Finance ever since our mortgage was sold to them. There are some charges on our mortgage statement that they ca n't seem to explain. My first request went out in XXXX, 2015 and we have still have not gotten an explanation to date. Back in XXXX of 2015, they responded that further investigation is needed. I believe the charges are bogus and fabricated. I contacted them again last week, and received a letter in the mail that they are looking into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two issues : XXXX. XXXX XXXX XXXX XXXX is reporting in accurate information about my account number XXXX to both Transunion and XXXX. XXXX is correct. As you can see that on XXXX they updated on XX/XX/28, but on Transunion and XXXX they didn't report for XXXX. Since XX/XX/XXXX I have paid flagship a total of {$2300.00}. 

XXXX. XXXXXXXX XXXX XXXX says I have a past due of {$20.00}. I made a payment twice to get that addressed 3 times ( XX/XX/XXXX and XX/XX/XXXX ), but as you can see by my current statement and online they still say I have a {$20.00} past due. I called on XX/XX/XXXX and they said that they would remove the past due and it is still on my account, yet I have now tried three times to get it corrected and have paid them 3 times now, a {$100.00} payment on XX/XX/XXXX {$100.00}. 

XXXX. On XXXX and Transunion they show 2 late payments, but on XXXX they show 1. 

This account is affecting my credit score and my ability to obtain financing for a house and a new vehicle.
Product: Credit reporting or other personal consumer reports

DEPT OF ED/AIDVANTAGE XXXX XXXX XXXX, XXXX, TX XXXX SUBJECT : Late Payments Being Reported This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. 
The not station of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation e. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX 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 in those account 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 XXXXXXXX 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 or other personal consumer reports

Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open these accounts, nor do I recognize them. Pursuant to USC XXXXg, I am requesting their removal within 15 days. The supporting documents are enclosed for your review and action.
Product: Debt collection

Acima account was settled in XX/XX/2020. Upon settling the account a letter for deletion was requested. Acima refit did not send the letter of deletion. The account was closed and is reporting as a charge. Ive tried to contact the merchant regarding the account and was informed that I will need to reach out to XXXX to have the account disputed. Ive tried disputing the account multiples times and has had no luck. I also tried disputing this account through XXXXXXXX XXXX XXXX as well as XXXX XXXX and have no luck. The account is reflecting negatively on my credit and I would like it to be removed.
Product: Credit card or prepaid card

On XX/XX/XXXX I learned from a credit reporting agency that an inquiry was made by First Progress, resulting in a drop in my credit score. 

After learning of this, I logged into the First Progress website and discovered an annual service fee and late fees on my billing statements. I called First Progress after discovering these fees. 

I am aware that this card has an annual fee ; however, I had discontinued using the card for the past year or two and because the card hasn't been used I stopped logging into First Progress website to check my balance. I expected to be notified via email, phone, or mail when the annual fee was due. 

I received zero notifications. 

I have reviewed my statements on the first progress website ; apparently, the annual fee of {$44.00} first appeared on a statement dated XXXX XX/XX/2019. 

Unaware the {$44.00} fee was due in XXXX, I did not pay it as I was not made aware of the balance. 

The next statement indicates that a late payment fee of {$28.00} was billed. And another statement to follow indicates an additional late payment fee of {$39.00}, giving me a balance of {$110.00} owed. 

Again, I only found out I was being billed for anything by the dip in my credit score via a credit reporting agency. You can imagine how this could have snowballed into owing thousands  of dollars to a company who's services I have ceased to use if I hadn't looked at my credit report. This seems unfair, unethical, and quite frankly, predatory. 

The representative at First Progress I spoke with had little to say when I explained that I had not received any bill, but did offer the removal of the recent {$39.00} late payment fee, explaining that that is all they could do. So I paid the remaining balance of {$72.00}. 

I have since closed my account with First Progress and am awaiting a refund of the original deposit I made when I opened the account. I was told by the representative I spoke with that a check for my original deposit would be mailed to me. 

It has been close to a month and I have received no refund.
Product: Debt collection

The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. M.A.R.S INC claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with M.A.R.S INC. I DID NOT ASK for it nor are they privy to contract with me. M.A.R.S INC. has been negatively reporting on my credit report for 4 YEARS, 11 MONTHS and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. M.A.R.S INC only responds to my dispute with old bills from previous company. NOT THEM.
Product: Credit card

I received a Chase Unlimited card I never applied for on XX/XX/2023 from JMBC Bank. I contacted them, told them I hadn't applied and they told me the inquiry would be removed from my credit report. They gave me information as to how to place a fraud alert on my account through XXXX so anytime there was an application done I would recieve a call to confirm my identity. I set up the alert immediately. 
This alert does work as I was contacted on XX/XX/2023 when I had applied for an XXXX credit card. 
I received an email on Saturday, XX/XX/2023 from Chase saying there was a letter on my account in regards to the recent credit card I had applied for. I thought it was awfully late since I had applied for the XXXX card XXXX weeks prior. When I logged on it was in regards to a card that was applied for on Friday XX/XX/2023. It was a letter telling me I was denied the card, not because of a failure to verify my identity, but instead gave a list of multiple other reasons for the denial. I called Chase immediately, upset that I was never contacted on Friday. They assured me the inquiry would be removed, when I asked why no one contacted me when I have a fraud alert on my account I was told I had to contact Consumer Finance. There is no one to call about fraud over the weekends but I remembered I set up my alert through XXXX and called them. They told me the alert is there, confirmed my only phone number and told me that it is up to the banks to call the customer with an alert, that it isn't an automated system in which I get a call. So I called Chase back Sunday morning XX/XX/2023 to find out why I was never contacted. I was told they could not tell me since the account had been closed, that there was no way to pull any information about the fraudlent account. I told them I inquired about it the previous night, before it was closed, and was directed to contact someone different. 
What it feels like to me is someone did not do their job on Friday XX/XX/XXXX and chose not to contact me, when I called about this error they again chose not to do the right thing and instead passed me off to be someone else 's problem. I took the steps I needed to take to protect myself and the Chase actively chose to not do what was required of them.
Product: Student loan

I co signed on a school loan from XXXX bank when my son attended XXXX. It was deferred for a good while because my son could n't get a decent paying job. He has been paying XXXX now for a while. Before XXXX he wanted to be paid so he paid extra. He was paid ahead almost 3 months. 6 days after he last made a payment his loan was bought by Firstmark Services in XX/XX/2016. He received an email and an immediate bill saying his payment was due. He called and explained he was paid ahead for XXXX and was told they do n't do that and the money he paid ahead was put on interest, They changed his payment from XXXX to XXXX a month. He explained that he paid ahead and this was n't right what they were doing. They told him they would conduct a investigation that could take up tp 2 weeks. They started calling my house in XXXX and I told the lady he was ahead 3 months. She said to mail his proof that he paid ahead so he sent proof to them from his bank. In XXXX they started calling everyday all day threatening my credit if he did n't pay. He called them and was told that the 2 week investigation could take 120 days or as long as they wanted. I have repeatedly told these people that there was an investigation going on. Now they are threatening us to sue at the end of XXXX. Everyone I talk to knows nothing because they did not even have the paperwork yet from XXXX Bank. They know the loan is there but know no facts. All they do is threaten us on the phone. My son will make the rest of what they claim he owes so it does not go to court. But I feel like we are dealing with the mafia or loan sharks. Do what we tell you or else. I have ask at least 3 different people how they would like it if there car loan was paid 3 months ahead and then sold and they were ask to start paying immediately. They said they would not like it, so why is it fair to do that to my son. I 'm upset because I have really good credit and they keep threatening me for no good reason.
Product: Debt collection

The company XXXX has put my debt In collections. I open it XX/XX/2019 & paid off any debt i owed. This new debt that is in collection I have no knowledge of. I left the company with everything paid off. Now I have a negative balance under my credit & I cant open any phone line. Im going through financial stress because of this & need it remove. I dispute the issue at-least once a month with no solution. I want to fix this issue as soon as possible. The amount is {$1500.00}. The collection agency the debt is in is called consumer outsourcing inc. this is very unfair & is a billing error.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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

One morning I woke to find every bit of my private/personal financial situation was hacked from Equifax and now made vulnerable to identity thieves because of Equifax. I am now permanently, for the rest of my like, a potential victim of identity theft at MY expense, regardless of the fact that I have diligently guarded MY private information (SSN, debt, address, etc) on MY end, (safe web browsing practices) for as long as I have been on the internet and used banking/financial services. My information was never publicly available until the occurrence of this breach, and I am incredibly angry because I've never consented to any of this information being retained and freely floated around for hackers to simply steal.