23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This complaint is regarding the XXXX XXXX, and is serviced by UAS XXXX. 

I have been a XXXX XXXX XXXX XXXX XXXX forgiveness program since XXXX, and had received two years of partial loan cancellation through this program for XXXX and XXXX. Since loans were paused during the pandemic, I waited to apply for my last three years of forgiveness until I was advised by UAS to do so this XXXX. My application for the final three years of teacher loan forgiveness was denied. However, the conditions of my employment as an educator have remained unaltered since I began working with XXXX more than four years ago when I first applied and was accepted for cancellation.

This suggests that UAS has changed their express terms and conditions pertaining to the loan forgiveness program. However, I was not put on any reasonable notice of a change in the material terms of the agreement, and the acceptance of my application for multiple years established a reasonable expectation that I would continue to qualify so long as the nature and terms of my employment remained the same. I relied on these reasonable expectations that UAS established through past performance in my financial and career planning decisions.

This situation has deeply affected my mental/emotional health, and I'm not sure what my next steps should be. UAS has also been requesting payments during the pause in federal loan payments, and it is affecting my credit score which will likely disqualify me from a mortgage. I have already submitted a complaint with the company and on studentaid.gov, both of whom will not take any action. 

Thank you so much for your time.
Product: Credit card or prepaid card

On  XXXX  purchased  XXXX  products for shipping only.  XXXX  for {$5.00} and the other for {$5.00}.    XXXX   XXXX   Received cr edit card bill on  X/XX/17   , opened statement to review charges. Found the above charges and tow additional charges I did not agree to. They are :  XXXX  FOR {$92.00}  XXXX  FOR {$92.00} On  X/XX/17   , I called the credit card company and the company of the products. I was told I could not have my money refunded because I did not call within the 14 day free trial period. I told them I did not agree to this. I was told I did agree to this when I clicked the " By clicking below I agree to the terms and conditions and am  18+ y ears old. '' However, I never saw any terms and conditions. The terms and conditions did not have a link to go to to read the terms and conditions. However, the credit card company and the products company refuses to refund {$92.00} and {$92.00}.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC XXXX XXXX report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my XXXX XXXX claim. As per 15 U.S.C. 1681e-2, upon submission of an XXXX XXXX report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from XXXX XXXX within XXXX business days. The following information on my credit report is the result of XXXX XXXX and should be blocked : I am writing to notify you that I have fallen prey to XXXX XXXX. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX, NUMBER : XXXX.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX is not mine is supposed to be deleted off my credit report from numerous disputes. It keeps appearing up and now its popped up and said the first day of the delinquency was XX/XX/2024. This is theory for the information reported on my credit report.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE XX/XX/year> and SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : ACCOUNTS NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I WAS SERVED WITH PAPERWORK THAT IS HAVING ME TO COME TO COURT THREATENING A JUDGEMENT FOR THE FUNDS THEY SAY IS OWED. I THEN RESPONDED TO THE PAPERWORK WITH THE COURTS AND ASKED FOR ADDITIONAL INFORMATION THAT SHOWS THAT I AM RESPONSIBLE FOR THE DEBT ANY SIGNATURES ITEMIZED BILLING ANYTHING THAT WOULD STATE THAT I WAS INDEED RESPONSIBLE FOR THIS DEBT. I ADVISED THE COURTS THAT I HAD FILED FOR IDENTITY THEFT BACK IN XXXX AND THAT THIS MAY BE A RESULT OF THAT FORMER COMPLAILNT
Product: Checking or savings account

I signed up for my checking account with a promo code to receive {$400.00} after making {$5000.00} in direct deposits to the account. US bank has denied me the bonus saying I was not eligible. I have met all the terms and should be entitled to this bonus. 

Account number is XXXX.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Could you review the documents? Some of the accounts listed have reporting inaccuracies, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX of XXXX Equifax was victim of a major security breach which I 'm sure the reader of this complaint is very familiar with. Unfortunately I 'm a little inexperienced with the whole credit industry as I 've had enough to deal with trying to further my education and experience. I 'm now a little anxious as to what could happen to my identity in the future. Unfortunately it does n't seem like Equifax is doing much to protect those who may have been affected. I honestly believe that this a big money grab by credit agencies to sell extra protections to those who ca n't handle the anxiety that this breach may bring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loandepot.com is currently reporting 2 mortgage accounts on my credit file. Both are showing XXXX late payment but each account is reporting a different date. I have already provided written proof to Loandepot.com via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : LOANDEPOT XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : LOANDEPOT XXXX- this account transferred XX/XX/XXXX to LOANDEPOT XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that Loandepot.com is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to loandepot.com several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO THE CFPB -- REGARDING HARD INQUIRY ANY RELATED INQUIRIES MADE WITHIN A 14 DAY TO 45 DAYS WILL COUNT AS ONE INQUIRY.THIS ALLOWS YOU TO FIND THE BEST DEAL ON A AUTO LOAN. 
THIS WAS NOT APPLIED TO ME? I FILED A COMPLAINT TO HAVE THIS CORRECTED AND I WAS TOLD " THEY CAN NOT REMOVE INFORMATION ON MY CREDIT REPORT '' WHICH I DID NOT ASK THEM TO DO. I WAS REQUESTING THAT THE RELATED INQUIRIES MADE WITHIN THE 14 TO 45 DAY PERIOD BE COUNTED CORRECTLY AND CHANGED. IF THIS IS THE RULE, WHY DOES THE CREDIT REPORTING AGENCY NOT RECOGNIZE THIS AND APPLY IT TO ME.

ALSO I MUST ADD ... .THERE SHOULD BE A LAW THAT LIMITS THE AMOUNT COMPANY 'S A CAR DEALER CAN TRY TO FIND TO FINANCE A CAR. I WOULD THINK AFTER THE FIRST 10 WITH NO LUCK ... .SHOULD BE A RED FLAG ... .SELLING A CAR TO SOMEONE WHO CA N'T AFFORD IT, SHOULD BE CONSIDERED A PREDATORY LOAN, KNOWING THEY ARE SETTING UP SOMEONE TO FAIL SHOULD BE A CRIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you.

Account Opened Amount FLAGSHIP CREDIT ACCEPTAN XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX  XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX BANK {$720.00} this account was opened fradulently by someone I do not know and I have contacted the agency for years to assist me with recovery my personal credit profile to get standings and they have yet to do so, therefore I am filing charges against them for neglance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple request asking that incorrect addresses and spellings of my name be removed from my credit reports. The Credit angencies have contiuned to ignore my request. 

the correct information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment : NONE There should be no other listing of misspelled names remaining. I have found 11 differnet spellings and 8 wrong addresses on my report. 

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 reporting, credit repair services, or other personal consumer reports

To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX Opened XX/XX/XXXX ( {$710.00} ), XXXX XXXX XXXX Opened XX/XX/XXXX ( {$700.00} ), XXXX and XXXX XXXX, Opened XX/XX/XXXX ( XXXX ) BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A XXXX XXXX XXXX, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

One or about XX/XX/XXXX I received a voicemail from first National Bank of ohama. I returned the call, told them I havent used the card in a while why should there be late charges. A payment was made in the billing cycle yet they still charged a late fee. 
Since XX/XX/XXXX I have received 6 messages telling me to call them. They were from a robocaller. Also of note the number they called was my work/cell phone number. 
XXXX XXXX
Product: Student loan

Mohela/XXXX  put a disaster forbearance on my account and did not request this action and want this canceled and pur back to the original status as I was not affect but hurricane disaster. I filed a complaint to mohela and my loan number is XXXX XXXX XXXX XXXX. I never authorized this they did it on there own. And didn't give them permission to do so.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor Removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inactive violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported in complaint XXXX that Experian would not provide me a complete copy of my annual credit report when requested. Today, I received a postal card with no sender identification of any kind asking me to provide personal identification information, copies of receipts, photo ID, and more by US mail. No credit reporting agency is named on the card, no contact telephone number, no send-to address provided, only XXXX XXXX XXXX  in XXXX Texas. Experian 's real address I discovered on the Internet is Experian 's National Consumer Assistance Center at XXXX. XXXX XXXX, XXXX, TX XXXX. 

I should not have to provide additional information to Experian in any event, Experian already recognized my name, account, password, address, and validity when they provided on-line access to my report which was mostly blank as explained in complaint XXXX. All the creditors were correct, but the relevant data missing. 

Experian is simply trying to make this request as difficult as possible.
Product: Mortgage

On XX/XX/XXXX I went through financial hardship and I applied for home modification through Bank of America. They deferred {$25000.00} ( put it as a lien ) my mortgage balance went down by that amount and they increased my mortgage pay off from 30 years to 34 years. I bought the house back in XX/XX/XXXX. I had a one year signed agreement with the bank as a protection plan to pay my mortgage for 1 year if I was not able to. When that modification was done they added {$30000.00} to the lien amount of XXXX as a payment reversal. I have the bank statement from that period and the numbers seems way off. I will appreciate if someone can take a look into it. I am trying to refinance and everything is on hold because of that. The best phone number to reach me is XXXX. My old mortgage number XXXX with BOA. They sold my mortgage to XXXX XXXX  on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Equifax is knowing allowing XXXX XXXX  to report an account TWICE on my credit report. They were made aware that XXXX XXXX sold the fraudulent account to XXXX and now they are allowing the SAME EXACT account to be listed on my credit report twice which is a violation of the fair credit reporting act. The account ending in XXXX is on my Equifax credit report TWICE and Equifax needs to remove XXXX XXXX XXXX  from the report as that is a VIOLATION to report the same account twice on my credit report.
Product: Credit reporting or other personal consumer reports

I found this address in my report, this is not correct information. This is my first time seeing this
Product: Debt collection

XX/XX/XXXX-XX/XX/2017 ( amount was {$9000.00} ) Received phone calls from National Commercial Services about having to pay a claim dealing with a car accident Stated if I didnt pay the amount, I will go to jail and they will suspend my liscense.

I told them I couldnt pay the amount and they didnt care about my situation and said I have to pay no matter what. Not sure if its a scam. The insurance company never said I had to pay a claim.

They never sent me a letter stating why I had to pay so much.
Product: Checking or savings account

Filed with PA Attorney General Office who recommended I contact you. The letter I sent them is stated below : Time-line 1. Opened checking account with TD ( XXXX PA, XXXX branch ) on XX/XX/2018 with {$100.00} cash and was only informed that any check deposits would clear in 2 days with me able to receive up to {$100.00} of the deposit right away. 
2. First payroll check deposited on XX/XX/2018 3. Next weekend ( XXXX XXXX ) I was in XXXX XXXX, and I noticed " holds '' placed on my account for 10 days. 
4. On XX/XX/XXXX I went into the XXXX branch and spoke with " XXXX   '' she made me feel that it was my employer 's bank that was holding my funds, my employer investigated it and stated with proof that the funds were released from XXXX to TD on XX/XX/2018. 
5. I immediately returned to the TD XXXX branch and informed them of this and " XXXX '' stated that the XXXX branch does not have a " branch manager '' who could advocate my case, I said that is ridiculous and attempted to contact TD 's customer service and was told my account was " frozen ''. 
6. I then realized that bills I set up for payment from this account would bounce and incur " overdraft fees ''. 
7. I really felt helpless TD had my money holding it I believe on purpose just to incur " overdraft fees '' a breech in public trust. 
8. I contacted my branch and the TD web site number and was told that TD has the right to hold MY MONEY for 10 days when they see fit. Yet TD never informed me, If I knew that I would not have set up my bills to be paid. 
9. While contacting TD via the internet I came across many customer complaints and I wish I would have viewed prior to my opening a new account. 
I believe TD operates under false pretenses take a look at : http : //www.tdbank.com/XXXX  " Bank Human - If something matters to humans, it matters to us '' TD Bank . Really, I don't think so ; something is definitely changing about the way TD operates. I am just a young guy who is trying to establish himself in this world and institutions that you trust your money need to be held accountable. 

Very Truly Yours, -- -- -- -- -- -- -- -- -- -- -- -- References : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and lots more if one has the time or resources that claim TD is not operating as expected regarding the public trust.
Product: Credit card

I took out a loan from company CareCredit / Synchrony Bank which offered promotional loan with no interest for 2 years in XX/XX/XXXX. 

Enrolled in their automated payments to ensure that it would be paid off in 2 years and that I would not miss any payments, however, it seems as if their default option is to calculate minimum payment vs what it would take to pay off the loan, which I didnt realize and it didnt now provide a means to show that. 

After 2 years, the promotion expired on XXXX XXXX, XXXX and I was not aware of it expiring and my loan was not paid off.. 

I was charged interest of {$10000.00} which is close to the original amount of the loan after paying off more than 1/2 of it. 

I did not receive any notification of the upcoming promotion expiring to ensure I paid off the load so as to not incur any interest. 

I contacted them only recently I was out of country and did not return until mid XX/XX/XXXX. 

I contacted Sychrony via their live chat and spoke to a representative who told me that I should have contacted then within 30 days and he could not help. I advised him that I was not notified but he indicated that the interest accruing as well as the promotional disclaimers are on my statement. 

He advised that the charged is per the terms of the promotional offer, he is unable to change it and it is per the terms of the offer. I asked to speak to his supervisor to see if he can help. 

Spoke to his supervisor XXXX XXXX : Employee Id : XXXX, who keep re-iterating the same thing, and advised I was not notified or given any reminder. 
I also advised him that I had a loan with another company and they send me a reminder, to which, he kept indicating that the terms are on my monthly statement and there is nothing he can do. 

I got a lot of emails from the company about everything such as wellness, offers, promotional credits etc, but nothing important as a reminder of an upcoming expiration of my loan. 

I asked if their was any solutions or anything he can help with, I even asked about the current interest. 

He advised that they system doesnt not allow for any changes on Interest accrued for all customers and that he could not help. My only solution is to pay off the balance of the loan.