23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

By my count I should have 115 qualifying payments towards my Public Service Loan Forgiveness. I have been enrolled in this since XXXX when my loans were serviced by XXXX XXXX. 
My loans were bought by XXXX ( XXXX  XXXX XXXX Something ) in XX/XX/XXXX. I re-sent my Employment Certification Form proving I was a federal employee and every year sent in my tax return to have my payment adjusted under the IBR plan. In XXXX I asked XXXX for a count of my qualifying payments. In an email dated XX/XX/XXXX I was told I had made 54 qualifying payments to XXXX and 17 to XXXX. 
In an email dated XX/XX/XXXX XXXX confirmed that I had made 101 payments but also said it would be up to FedLoan to come up  with the final number and they transferred my loan to them. Up until I thought I was nearing my forgiveness date I had never heard of FedLoan before.

I had to re-send all my Employment Certification Forms. I had had 3 different Fed jobs since starting to payback my loans and FedLoan had no record of any of them.

When FedLoan finally calculated my qualifying payments ( XX/XX/XXXX ) they came up with 49 for one loan and 59 for another. Not only are these numbers ridiculous but my loans have been consolidated since my first PSLF/IBR payment so where they get two different numbers is another mystery. 
Writing to complain about their calculations, I got ( in part ) this answer : The months that did not count as qualifying payment months for public service loan forgiveness include XXXX through XX/XX/XXXX due to an administrative forbearance that was applied to your account, XX/XX/XXXX due to the months full installment amount not being full satisfied, XX/XX/XXXX due to a general forbearance, XX/XX/XXXX due to no bill being generated, XX/XX/XXXX due to an administrative forbearance that was applied to the account, from XX/XX/XXXX through XX/XX/XXXX due to a general forbearance and XX/XX/XXXX due to the full installment amount not being fully satisfied. 

What? What a bunch of excuses and XXXX made up behind the scenes and after the fact. Never ever did XXXX or XXXX put my loan in administrative forbearance or did I pay during a general forbearance or any of the other stuff I am hearing about the first time ever. 

Ive read too many articles to count now on how awful and even fraudulent FedLoans is.But I do not know how to go about fixing this. I have never even made a single payment to FedLoan so how they came up with these numbers, I dont know.
Product: Credit reporting or other personal consumer reports

The following accounts are listed as charge offs and or do not belong to me and the company has yet to verify and correct this information. 

XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX BANK Account number XXXX XXXX CARD SERVICES Account number XXXX XXXX XXXX BANK XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXXX 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish an account without my written consent. I have never consented to any information being published.

I did not receive any 1099-C cancellation of debt forms for ANY of the listed accounts. Which means now this information is inaccurate on my report and needs to be removed. I am also seeking monetary relief for these errors most importantly this has harmed my chances of obtaining personal and business credit to provide for my newborn child. These accounts have been reported incorrectly even after my latest disputes of all of the same items from XX/XX/year> with the agency.
Product: Credit card

Accounts opened by XXXX and XXXX without my knowledge. I found them when checking my credit report. I contacted them and had the accounts closed and made police reports. Accounts are still in my name.
Product: Debt collection

TDBAnk/ Target refused to accept credit counseling agreement and sent me XXXX notices stating that I can workout payment plan.The credit card company has since accepted monies dispersed from credit counseling agency, however keeps piling late fees and from a XXXX credit line I now owe XXXX ever since I had initially enrolled in credit counseling this company will refuse top agree to proposal to purposefully and tactfully raise my amount due quickerTarget acct ID # is XXXX
Product: Mortgage

I was on a Covid forbearance plan intended to help save my home. I got a new job, recently ended the forbearance, and applied for a Covid relief modification. I have been in my home since XX/XX/2013 and received a letter from my mortgage provider that stated they are approving the modification for 30 years, and my interest rate will go from 4.25 % to 6.00 % which will increase my mortgage to {$1700.00}. If I don't agree to this increase, I may lose my home. I don't understand how making my mortgage payments higher with an increased rate helps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to use the transunion website to freeze my credit but was unable to log into the website. I called 3 times to Call toll-free ( XXXX ) XXXX in order to reset my password. Each time I was told to wait for 5-10 minutes to receive my email to reset my password. The second and third time I confirmed the spelling with the rep and it was confirmed correct. The last one could do nothing more than the first two. She asked me to call XXXX but that number was also useless. I would like my password so that I can submit a credit freeze on my file. Thanks
Product: Debt collection

this company is attempting to collect on a debt that is not mine and they are reporting to credit bureau an inaccurate reporting
Product: Credit reporting or other personal consumer reports

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 5 separate times on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. ( A copy of the letter is attached ) I demanded every document they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not compliant with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be
p

romptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not ju
st verified through a 3rd party ) or it MUST be removed immediately.
Product: Credit card or prepaid card

XXXX XXXX states i have a refund from amer exp, i dont know how to reach them, also have a problem resetting my p/w on this system. So if you can usos all mail that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account that I had was charged off in XX/XX/XXXX. Reported as so until I actually called the lender on XX/XX/XXXX and paid the balance on the account. They changed the closed date of the loan to XXXX instead of of leaving it alone. Now it appears as though I have a late payment in XXXX which is not the case. I contacted the company on XX/XX/XXXX and asked them to correct it. The XXXX stated that it was reporting correctly, that they did not consider the account closed until I actually made the payment.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update these suspicious information. XXXX Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX Balance : {$10.00}, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX  XXXX XX/XX/year>,
Product: Checking or savings account

Couple months ago I submited a complaint about Bank of America suddenly closing my checking and saving accounts without given any specific reason why did they do that and reported to XXXX XXXX XXXX  about my info then now I can not open any other checking accounts anywhere. 
Now they sent me a mail saying they did not do it, means they did not reported me to the XXXX XXXX XXXX, but I have a proof here from XXXX saying that the bank that reported me was Bank of America. 
I need Bank of America explain the situation by mailing me what was going on at that moment, and why did they deny that they wasnt the one who did it. 
This was really unprofessional and unethical. I dont want to hear anything by phone call, I want an physical mail sending to my house so I can keep it as proof, not by calling so I can not have anything to show later. 
Please help me!
Product: Debt collection

Harrassed me on multiple occasions during sleeping hours with no solid explanation of claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

The operational incompetence of Equifax and its senior leadership is appalling. The breach was not properly disclosed and their internal systems are not prepared to handle the public 's concern. I am unable to receive my Equifax credit report because " the servers are busy '' and the wait time on their hotline is hours. Furthermore, there are reports of false positives on their own " check if you were impacted '' site. So, I do n't know if I was impacted, I ca n't verify on my own if I 've been impacted, and the credit monitoring solution they offer sends mobile users in an infinite loop of non-resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern, I am not liable for this debt with XXXX  XXXX  XXXX, I do not have a contract with JEFFERSON CAPITAL SYST, They did not provide me with the original contract as I requested. JEFFERSON CAPITAL SYST called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until JEFFERSON CAPITAL SYST, proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 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.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This item was purchased by a Third Party Debt Collector ( JEFFERSON CAPITAL SYST ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the Third Party Debt Collector. As you can see from my credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account name : JEFFERSON CAPITAL SYST and Account number : XXXX for reference and incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks,
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 s 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 caused significant inconvenience and financial loss, and I seek appropriate redress 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 s 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written unwritten verbal or nonverbal per 15 U.S.C. 6802.
Product: Mortgage

I have talked several times with the amerisave mortgage company that my refinance is not ideal at the moment and he force me to the next level and convivence me from his sweet tongue and no of mortgages in the past 2 years he had done, first he offer me that {$220000.00} loan amount with 1440 cash out and $ XXXX monthly mortgage savings and he made me to pay for appraisal. 
the offer to look to me ok and I paid for appraisal cost which is {$500.00} and the property appraised as what we expected,. 
then when finalize the deal with other documents, they change their offer 2 times and the result was ended up with only $ XXXX monthly savings and charging with {$12000.00} closing cost. 

this is kind of a fraud they are doing with people offering them, cash out, lowering monthly payments and make them to pay for {$500.00} for appraisal and then rejecting their application and mess up with people credit points as well. 

I want my {$500.00} dollar back from this guys XXXX XXXX, he is fraud and cheater.
Product: Student loan

I recertified my income driven repayment plan before expiration. now they are telling me it will take 90 days to review ... im at risk of missing the recertification deadline of XX/XX/2024. ive done everything on time but mohela has never once answer multiple phone calls. i have called many times and been on hold for 2 hours ... this is not acceptable. meanwhile they make billions of my interest and taxes.
Product: Debt collection

In accordance with the fair credit reporting act XXXX  account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 STATES THE RIGHT OF PRIVACY.

15 U.S.C SECTION 2 ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

In the beginning of XX/XX/2019, I was promised by a Chase Private Banker XXXX XXXX in XXXX XXXX, XXXX  that my deposit of more than a XXXX dollars would receive an interest rate of at least 1 %. Additionally, it would be backdated to when the amount was deposited into my checking account on XX/XX/XXXX. At the same time, a certificate of {$1200.00} was promised if I kept {$250000.00} in the account for at least 3 months. After much communication with the bank and involving the OCC, Chase granted the {$1200.00} into my account in late XXXX after many efforts by my address this issue. 

The large credit for the higher interest rate for five months, however was never deposited into my account. My complaint is that I've been trying to address this with Chase both in person at the branch and via telephone with several Chase departments and it is still not resolved. The Chase Private Banker and the XXXX XXXX Chase Branch Manager XXXX XXXX agree that this interest is due to me and have admitted that it is a branch error as well as submitted paperwork to the district manager and Executive Office to rectify the situation.

The Executive Office, however, has contacted me and stated that the they can not backdate interest on  accounts. What they fail to understand that I was told by the Chase Private Banker in XXXX that the rate increase would be applied to my account going forward. Chase still owes me this interest starting in XXXX and it amounts to thousands of dollars.
Product: Debt collection

They claimed that I have a credit balance owe by XXXX XXXX XXXXXXXX of about {$5000.00} .I did check my credit found out that true but it is written or charged off by the bank but never received a 1099 c from the bank. After being contacted by this fraudulent law firm : Shermeta , Kilpatrick & Associates, pllc. I sent them a letter of Debt validation claiming to proof this debt belongs to me.

Instead during the validation period they sent a so called court order to freeze my bank account and start garnishing my wages which is in violation of 15 USC 1692g. 
I wasn't serve for anything. like I said this company is a fraud the so call fraud attorney XXXX XXXX XXXX ( XXXX ) who need to be disbar for running a scam on poor and vulnerable people
Product: Mortgage

Select Portfolio Servicing continues to provide fraudulent information to the credit reporting agencies in regard to my Acct. # XXXX .... They refuse to take this negative information off of my credit reports even though I have told them it is totally wrong. They bought then sold my mortgage from XXXX XXXX XXXX during the financial crisis and later sold it back to them. During that process, all my records were lost and they report that I was delinquent in my mortgage. I now have a clean mortage with XXXX XXXX XXXX.
Product: Debt collection

Received a letter from " Simplified Revenue Recovery , LLC '' stating that there was an amount due to an apartment company that I have never heard of. Header on letter said " 2022 Tax Season Settlement Offer '' and letter proceeded to offer 20 % discount if the debt was paid in full. The name listed on the letter is not my legal name. I have never had any type of interaction with the apartment group indicated - I believe it is in a different state located in the XXXX. I live in the XXXX. 2nd page of the letter has warning in bold stating " EXTENDED NONPAYMENT OF DEBT MANAGED BY XXXX MAY RESULT IN REPORTING THE DEBT TO ONE OR MORE MAJOR CREDIT BUREAUS, WHICH MAY IMPACT YOUR ABILITY TO OBTAIN CREDIT. IF YOUR ACCOUNT HAS NOT BEEN REPORTED ALREADY, CONTACT XXXX IMMEDIATELY TO ARRANGE PAYMENT TO AVOID REPORTING. '' Again, the name associated to this account is incorrect and I have had no dealings with the supposed apartment complex that is seeking debt collection.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my Equifax credit report dated XX/XX/XXXX. The account in question is : XXXX XXXXXXXX XXXX Installment Account XXXX XXXX Opened : XX/XX/XXXX Balance : {$11000.00} This account is incorrectly reporting 54 late payments on my Equifax report. However, my XXXX report reflects 41 late payments for the same account. This inconsistency indicates that the information is inaccurate. 

I respectfully request that you reinvestigate this matter, verify the accuracy of the reported late payments, and delete the inaccurate information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

Sallie Mae sold account to Navient. Since Navient my student loans have increased and the interest accruing can not double my loans. I attended XXXX XXXX XXXX  XXXX in XXXX and graduated in XXXX. In XXXX tuition was {$15000.00} per my carbon copy of our agreement. Sallie Mae disbursed {$15000.00} to the school of 2 subsidized and 2 unsubsidized loans. And I received a {$3500.00} pell grant. I also took out a private loan on my behalf at XXXX XXXX for $ XXXX and gave XXXX out of pocket {$2900.00}. Those figures equal {$21000.00} and tuition did not cost that much. Presently, Navient has my 4 loans at {$22000.00}. It has increased XXXX. The first 2 years I paid {$190.00} a month for close to 2 years. That is over $ 3K paid. The XXXX I paid doesn't even reflect on the account. I have had to put my loans in deferment, unemployment deferment and forbearance since XXXX. I feel Navient is not being honest. Student loan interest rates are from 5 % -6.8 %. My XXXX loan is now {$9400.00}, {$3500.00} is now {$4600.00}, {$2700.00} is now {$3400.00}, and {$3000.00} is {$4500.00}. During deferment or forbearance I thought interest is paid by the government. The initial tuition and disbursements are incorrect. The financial aid representative at XXXX at this time made consecutive errors with student loans. I am a XXXX XXXX XXXX XXXX and unable to go back to school as this debt is increasing. I have a baby and am XXXX. I am XXXX and working as a XXXX in the hospital setting. The XXXX role was demoted and pay rates declined. A XXXX was only make what a XXXX XXXX XXXX was and could only perform those job duties. As you now need a XXXX XXXX degree to perform XXXX duties in the hospital setting now. My income for last year was {$5100.00}. I am still making payments on my XXXX XXXX private loan that was XXXX and now is {$5600.00}. I make monthly payments of {$97.00} a month and paid {$86.00} a month since XXXX, deferring for a few months for unemployment and national disaster in the past. I would like Navient investigated regarding this matter. I would really like to attend school and to become a XXXX so my income can increase. I am unable to go back to school because of this burden. Please help. Thank you.