23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been repeatedly and wrongly denied loan forgiveness under the TEPSLF program. FedLoan Servicing is refusing to qualify my payments made while I worked for XXXX XXXX XXXXXXXX XXXX XXXX My employment there was on a contractual basis determined by XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  did not consider me " full-time '' by their definition ( no XXXX  there have this status ). However, I can clearly demonstrate that I worked an average of 31.8 hours per week while working at XXXX, and I have given this information to FedLoan Servicing. The definition of full time work as stated clearly at https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service # full-time-employment reads : " For PSLF, you're generally considered to work full-time if you meet your employer 's definition of full-time or work at least 30 hours per week, whichever is greater. '' That one must EITHER meet the employer 's definition of full time work OR work more than 30 hours per week. Clearly my payments during this time with XXXX XXXX  XXXX XXXX XXXX should qualify as part of the 120 payments. I have called FedLoan Servicing on numerous occasions and submitted documentation of my employment. FedLoans average response time to written communication is abhorrent : 60-90 days. Most recently I called on Thursday, XX/XX/2022, and I spoke with XXXX, employee number XXXX, who could not help me. She transferred me to XXXX, # XXXX. XXXX was extremely combative and condescending to me during the course of our conversation. She refused to acknowledge the above definition of full-time work applied. She confirmed that FedLoan indeed takes 60-90 days to respond to any written communication. She told me that my only recourse for my case was to " convince '' XXXX to change their response on my employer verification form, which would be asking XXXX to lie and commit fraud on my behalf. I'm not going to do that. This company appears to have a blanket policy of denying loan forgiveness by using their own self-serving definitions of " qualifying payments '' rather what the federal government has dictated. I need help!
Product: Payday loan, title loan, or personal loan

I have had a credit line with Synchrony Bank via a PayPal Credit account associated with my PayPal account. PayPal provided this line of credit to me in XXXX ( I don't know if and when they began the relationship with Synchrony ), and my credit limit increased over the years to {$3400.00}. 

Never in the history of this account have I made a late payment or missed a payment. 

During XXXX, a loss of income forced me to use this credit line to the limit. I continued making regular monthly payments. I never missed a single payment. 

On XX/XX/XXXX, I sold my home and paid the outstanding balance on this credit line in full. It has remained at a {$0.00} balance since that time. 

Two months after paying off this balance, I received a letter dated XX/XX/XXXX from PayPal Credit c/o Synchrony Bank, that began with, " After a review of your account, Synchrony Bank has decided to close your account. '' One of the items cited as reason for closing the account was the information they gathered from my credit bureau report. Then they wrote, " While the date of the credit score may not be recent, your score has likely not changed significantly since this date. '' When they wrote this my credit score was XXXX, according to XXXX XXXX  FICO 8 formula. However, after I lost {$3400.00} of available credit and had an account closed by the provider, my credit score dropped again all thanks to Synchrony Bank.

No one from this company or PayPal ever called me, emailed me, or requested any information of any kind before this obviously automated decision.

Funny that this occurred in the middle of the COVID-19 shutdown, and that I am underemployed and might actually need this credit to purchase food or other necessities. Not only did Synchrony Bank not offer any relief, they actually punished me for using my credit line and making every single payment on time and paying the balance in full!
Product: Debt collection

I am writing to dispute the charge off in the amount of {$360.00} of XXXX account # XXXX. It shows a last payment on XX/XX/XXXX in the amount of {$35.00} dollars. This is inaccurate. I have copies of my credit report ( attached with this letter ) from XXXX and all three bureaus show reported payments received from XX/XX/XXXX up until XX/XX/XXXX. The payments listed on the credit report come to a total of {$380.00} ; however, there is an in-store payment that is not showing on the reports, that shows as not reported by you, that is around {$260.00} which means that you have received a total of {$640.00} ; {$270.00} more than the amount shown as charged off.Further, the account was sold to Midland Credit Management ( account # XXXX ), who is seeking to collect on the account as well. 
Payments were made through the online payment system. Prior to making payments, I spoke with a customer service representative to explain my financial hardship and my plan to resume payments along with the amounts that I was able to pay in XX/XX/XXXX. The customer service agent assured me that payments would be accepted and that my account would remain open so long as I remain current with my payments. I was never notified that my account would be and had been charged off during that time. 
I resumed payments after my hardship, using the online payment system, in the amount of {$35.00} dollars each month starting XX/XX/XXXX and noticed that the balance would never change ; however, I was too busy to follow-up. I also noticed that I no longer had an available balance on the card. In XX/XX/XXXX, I went into a store to make a payment on my card in the estimated amount of {$260.00}. The store accepted my payment and I assumed it was applied to my balance. I made a final payment in the amount of {$35.00} in XX/XX/XXXX assuming surely this should settle my balance, but your records never reflected as such. If my account was charged off, all payments made should have been directed towards the balance. 
I also noticed there is a change in the original balance shown for the original charge off. My credit report from XXXX shows an original charge off in the amount of {$150.00} ; however, my XXXX report shows an original charge off in the amount of {$360.00}.
Product: Credit card or prepaid card

I have several outstanding 0 % promotional balances with Discover Card, they sent me an offer for a 3.99 % offer that lasts for 15 months. When I made a payment to pay off a 0 % balance transfer that was expiring they applied the payment to the 3.99 % balance transfer instead of the the expiring 0 % offer and converted the expiring 0 % balance to a puchase which they charged 14.99 % interest on. When I spoke with them they stated it is in the terms and conditions and it was spelled out in the balance transfer offer on how payments are applied and they would not change anything. I asked which section of the terms and the conditions it was spelled out and the representative said he did not know. He finally agreed to mail me a copy of the terms and conditions. He refused to provide it electronically even though that is how I accepted the offer. This balance transfer offer was misleading and deceptive in that it was not clear that accepting a low interest balance transfer was going to cause a balance to convert to a purchase and incur higher interest rates
Product: Vehicle loan or lease

Recently, I, XXXX XXXX XXXX, the consumer was denied an extension of credit by TD Auto Finance, a Division of TD Bank , N.a . On XXXX, I applied for sales financing of a motor vehicle from XXXX XXXX. 
It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( C ) and TD Auto Finance, a Division of TD Bank , N.a . assumes civil liability pursuant XXXX XXXX XXXX XXXX ( K ). TD Bank has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the letter they sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, they are also criminally liable. TD Auto Finance, a Division of TD Bank , N.a . should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
The terms I request are as follows : 1. 7 % APR 2. {$150000.00} loan value 3. 84 months 4. {$0.00} down Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Product: Credit reporting or other personal consumer reports

Experian- has numerous closed and collections accounts on my credit. I requested an investigation for those items to be removed and they have not removed them all they did was appear to have those accounts hidden but still on my report. Some has been paid in full and still showing up.
Product: Credit reporting or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX... PLEASE DELETE FRAUDULENT UNAUTHORIZED OF REPORTING INFORMATION ON MY CONSUMER REPORT INQUIRIES... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ONLY LIVE AT XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX PLEASE DELETE ALL OTHER ADDRESSES. I NEVER LIVED AT ANY OTHER ADDRESS. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX  # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On XX/XX/19, a woman claiming to be XXXX XXXX with Pioneer Credit Recovery called a neighbor that I barely know in an attempt to harass and embarrass me and disclosed private information in  what has to be a violation of the fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a challenge to my Credit report in regards to XXXX Account # XXXX. I challenged the inaccuracy of the payment information from XXXX. The payment information is inconsistent, inaccurate, damaging to my file. I asked for them to conduct their investigation based on these inaccuracies, and delete the account if the information was found to be incorrect. On XX/XX/XXXX XXXX ( Confirmation # XXXX ) stated they found no discrepancies. 
The inaccuracy is clearly evident, and I do not believe they ; XXXX & the CRA ( XXXX ) conducted themselves with due diligence in their attention to these matters. 
The inaccurate info is as follows. From XX/XX/XXXX - XX/XX/XXXX shows 30/60/90 days late in logical progression. After XX/XX/XXXX is where the inaccuracy starts. On XX/XX/XXXX it shows 60 days late, then for XX/XX/XXXX it AGAIN shows 60 days late ( 90/60/60 ). Then it jumps to XXXX and the inaccuracies begin again in XX/XX/XXXX with 120 days late, then again 120 days late in XX/XX/XXXX, then 90 days late on XX/XX/XXXX ( 120/120/90 ). 
These are blatant inaccuracies and I request that this matter be investigated. XXXX XXXX XXXX has been furnishing inaccurate credit information to the Credit Reporting Agencies for several years, and possibly re-aging my account, long after the closure of the account. They are possibly achieving this by reporting payment information ( marking me as late til XXXX/XXXX ) even though the account was closed far earlier than this. For most of XXXX there is NO payment data at all. This in itself is misleading and deliberate on the part of XXXX XXXX XXXX. 
Also should a past due balance be showing on an account labelled as a charge off?
Product: Credit reporting or other personal consumer reports

I have been try to get this company to clean my credit up and delete the things I dispute and update my credit report they took my credit score down and I am not understanding why I am XXXX years of age and pay my bills on time my score should be XXXX not XXXX one day my score will be XXXX next day XXXX I will like my score to stay XXXX
Product: Mortgage

I have been submitting revised tax bills via email to Freedom Mortgage since XX/XX/XXXX. I have repeatedly requested a new analysis to lower my payments. Despite repeated attempts in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I  continue to be promised they will review. The difference in my payments is {$300.00} per month lower e. ffective XX/XX/XXXXThey have also submitted the overwitihheld tax to the local tax authority. I am on the phone again today and am being told the best they can do is schedule this for XX/XX/XXXX. Can you please help me get this mess with Freedom straightened out? Thank you, XXXX XXXX XXXXXXXXXXXX XXXX Loan # XXXX
Product: Debt collection

I hand delivered a cease and desist letter to Conn 's XXXX XXXX, XXXX, AZ and the manager accepted it. I have filed a complaint with the Arizona Atty General in regards to deceptive sales practices and this C & D letter was to inform them that I was disputing the contract and would not be paying it. I demanded them to cease collection calls. Since receiving that letter, I have received XXXX harassing phone calls from their collections department. When I informed them of the C & D letter, they acknowledged they had received it. Today, XXXX/XXXX/2016, I have received XXXX harassing phone calls from them while at work.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I have asked for validation of this debt and did not receive the original contract and statements I requested. I also requested a 1099 for the charged-off amount which I did not receive. Toyota Motor Credit is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681 s2 states 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. I sent them a letter certified mail that this account was being reported inaccurately and they failed to provide me with the original contracts I requested. I have attached a screenshot showing that they are reporting inaccurate information across all 3 credit reporting agencies. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.
Product: Vehicle loan or lease

On XX/XX/year> I unfortunately was victim of a car accident which Total Loss of my car. 
My insurance ( XXXX ) was actioned and evaluated the amount of the car and paid directly to Ally Financial ( company which I faithfully paid all the car payment on time consistently until the accident- my account # with this company is XXXX ). The remaining balance should have been covered by the GAP insurance. 
I paid an extra amount of money monthly to Ally Financial because of the GAP insurance into the financial contract. Please see GAP addendum attached. 
Now this Ally Financial is sending weekly letter intimidating me and damaging my credit score ( please see attached letter ). I contacted this company several times and provided all the information once again since the police report to the GAP contract and requested the XXXX Balance Letter and what this company is doing is frighten me with letters of more charges and distressing me with intimidation to damage my credit score.
Product: Credit card or prepaid card

Notified by letter from USAA dated XX/XX/21 informing me that a Visa card was closed in error. When USAA was contacted a request to provide documentation from the CRAs showing my account was cleared and no impact on my credit had occurred. The response was that I would have to contact all 3 bureaus and it was not their responsibility. The fact is that closing any credit card account does in fact lower your credit score. It was closed although the account was and always has been in good standing. Closing the account was unauthorized and having me check my credit at my time and expense is unimaginable. USAA has a track record several years back of opening accounts in members name and was sanctioned and fined. Once again, USAA seems to operate with no regard for banking rules.
Product: Debt collection

The Van RU corporation failed to send me a notice and now there gurnishing my wage. I told them I could not afford to my living expenses nor pay my lease. I 'm about to become homeless and unemployed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX day of XXXX, XXXX Subject : Dispute of Incorrect Information on My Credit Report Dear ABSOLUTE RESOLUTIONS, I am writing to submit a formal dispute regarding inaccurate information that appears on my credit report. After reviewing the report, I have identified information that does not belong to me and is incorrect. I kindly request you investigate and rectify these discrepancies to ensure the accuracy and integrity of my credit profile. 

The incorrect information is as follows : [ ABSOLUTE XXXX XXXX XXXX  XXXX XXXX ] ] : [ I HAVE NO KNOWLEDGE OF THIS ACCOUNT ] I believe these errors may have occurred due to a mix-up or incorrect reporting. I have no knowledge of this account. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that you initiate an investigation into these inaccuracies promptly. I kindly ask that you contact the appropriate data furnishers and request their investigation as well. It is essential to rectify these errors as they may negatively impact my creditworthiness and financial standing. 

As per the FCRA guidelines, I expect a written response from you within 30 days of receiving this dispute letter. Please provide me with the results of your investigation, along with any corrections made to my credit report. 

I appreciate your attention to this matter and your cooperation in resolving these discrepancies. If you require any further information or documentation from me, please do not hesitate to contact me. 
Thank you for your prompt assistance. I look forward to a timely resolution and the correction of the inaccurate information on my credit report. 

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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
2.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

They repo my truck saying that I have not paid NBT Bank since XXXX of last year. Which I have paid I have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint with the CFPB about the collection agency, XXXX XXXX XXXX. XXXX is not reporting correct or accurate information. They are reporting inconsistencies to all of the credit reporting agencies and are verifying inaccurate information. They also marked my previous disputes as frivolous to discourage me from disputing despite being provided proof of their lack of a proper investigation into the reporting. Attached are screenshots of the account they are reporting to the credit bureaus. They are reporting different open dates and balances but are verifying them as valid. How can information that doesnt match prove to be valid? XXXX  is reporting a {$0.00} balance and open date of XX/XX/2017 and the same account is reporting a balance of {$1100.00} and an open date of XX/XX/2017. How is this accurate and valid if the information is not the same for the same account? This is a clear violation of the Fair Credit Reporting Act. This also shows a lack of proper investigation on the credit bureaus part as well. XXXX is creating a financial burden causing me to be denied credit due to their inaccurate, incomplete and inconsistent reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.