23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Re : A Formal Complaint that I am not eligible for a refund or reevaluation of the period that I made payments over the 120 months requirement of my student loan payments while being a federal employee because under the limited PSLF waiver I can not be reimbursed because I have already paid off my loan. 


Respectfully, This letter serves as my formal complaint with regards to the aforementioned subject matter. This complaint is based on the ground of my ineligibility for a waiver of my student loan for all my amounts paid over 120 months, while I worked as a federal employee. 
The original balance of my loan when I graduated from XXXX University in XXXX XXXX Missouri in XX/XX/XXXX was {$15000.00}. I began paying my loan promptly on XX/XX/XXXX. At that time, the only federal loan was the Federal Family Education Loan ( FFEL ) and it was promoted to the public as a federal loan. Accordingly, I made 15 consecutive years of on-time payments till the loan was repaid on XX/XX/XXXX. 
It is worth noting that I have worked for the federal government the entire time from XX/XX/XXXX to the present at the Social Security Administration. In XXXX, the law was passed to have federal student loans forgiven if one worked for the federal government. Accordingly, I filed my paperwork to have my loan forgiven on XX/XX/XXXX. However, my loan was rejected by the Depart of Education on XX/XX/XXXX. They stated that they can not honor Federal Family Education Loans ( FFEL ) and I need to consolidate to a Direct Loan Repayment Plan. 
The Department of Education also stated that if I consolidated on XX/XX/XXXX, they would not honor the previous 8 years of paying on the loan. Therefore, if I consolidated on XX/XX/XXXX the earliest the loan could be discharged was XX/XX/XXXX. This was not to my advantage because I would clear my paying obligations on XX/XX/XXXX
Product: Credit card or prepaid card

To Whom It May Concern, I am writing you to resolve a 10-month dispute with bank J.P. Morgan Chase XXXX started in XX/XX/2020 XXXX regarding a refund. 
I am a cardholder of Chase Sapphire Credit Card issued by J.P. Morgan Chase. In XX/XX/2020, a merchant refunded me {$3200.00}. I reached out to Chase Cardmember Services Department to request a check to be mailed to my home address. The representative advised me that the banks procedure is to send an email from Chase XXXX XXXX XXXX XXXX for me input my account information requesting an ACH deposit to the account that I desire. 
After 7 days of waiting for the email, I called Chase Cardmember Service to inquire about the status of the email. I was advised that the funds were already deposited into an account ending is XXXX XXXX attached letter from the bank ) on XX/XX/2020. I declared that this account is not mine and that I did not receive an email or requested the funds to be transferred to that account. 
Since XX/XX/2020, I have been trying to express to Chase Cardmember Services, Chase XXXX XXXX, Fraud Department, Recoveries Department, Chase XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Department, Identity Theft Department, Security Department, Customer Claims Department and 2 branch representatives ( XXXX XXXX, FL and XXXX, FL ) For detailed list of parties involved, see Annex A. 
On two occasions, I was able to have a Chase Cardmember Services supervisor speak with their counterpart at Chase XXXX to address the fact that XXXX received incorrect instructions/email address from Cardmember Services and that for this reason, someone else was able to obtain my funds. Even though this was verified on two recorded calls, I am still waiting for my funds and nobody has sent me my check with the refund. 

Should you have any questions, please do not hesitate to reach out. I look forward to cooperating with you on this matter. 
XXXX XXXX Chase XXXX Office XXXX Email : XXXX Supervisor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Chase XXXX XXXX XXXX XXXX Phone : XXXX Supervisor XXXX Analyst XXXX XXXX XXXX Customer Service XXXX XXXX XXXX Supervisor XXXX XXXX XXXX XXXX Missouri XXXX Supervisor XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX Identity Theft Department/Customer Claims Department ) Supervisor XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Customer Service ) Supervisor XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I checked my Equifax credit report online, and noticed various INACCURATE late payments for XXXX accounts. Therefore, the following accounts must be deleted immediately : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, WI XXXX ) XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX, SD XXXX ) First, the term accurate as per the Fair Credit Reporting Act ( FCRA ) is defined as a measure of value. For something to be considered inaccurate it has to be something that is not of value to me, and that is determined by I, the consumer. Therefore, these late payments are a defamation of my character are therefore INACCURATE and Equifax is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681.

Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Clearly, exclusion means something that is not supposed to be included. The law states that : transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately. 
Also, I have a simple question you shouldnt have a problem answering : Did I give you written instructions to furnish this information related to me on my consumer report? Additionally, 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have sustained defamation of my character, XXXX, stress, and loss of opportunities due to this information and I am demanding you delete the accounts referenced above from my consumer report, immediately because Equifax is in violation of the FCRA or 15 USC 1681. 


You have 7 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report. 

Sincerely, /s/ XXXX XXXX
Product: Checking or savings account

There is way too much money being taken for overdraft fees since 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2016 a single authorization was given to Branch Banking and Trust to pull my credit to obtain a personal loan. On that day XXXX inquiries were pulled and XXXX more on XXXX XXXX 2016 without my consent. I contacted the branch manager ( XXXX XXXX ) who stated she submitted 2 disputes on the inquiries for me and I contacted a customer service representative named XXXX who said she had checked into the matter and nothing could be done to remove the inquiries. I have been sent around in circles over this since XX/XX/XXXX with no resolve. I need help from someone to help get these unauthorized inquiries removed from my credit report.
Product: Mortgage

My mortgage ( residential home ) was transferred to XXXX XXXX XXXX/Shellpoint from XXXX XXXX on XX/XX/XXXX. Since that time, I have received 7 monthly statements ... .all with the incorrect payment information ... all different. ( XXXX {$1600.00}, XXXX {$1700.00}, XXXX.- {$1800.00}, XXXX {$1700.00}, XXXX {$1700.00}, XXXX {$3400.00} ). I have been assessed late fees several times, although my account has not been late. I have managed to get all of the fees removed ( after many calls and frustration ). However, this past month, my check was not posted until XX/XX/XXXX ... .despite being mailed several weeks before. I believe this company has now found a way to get their late fee, forcing me to mail my money through tracking at the post office. In addition, the company mails their statements to me at the very end or even the beginning of the month, making it impossible to send it by the XXXX. The very first statement was mailed on XX/XX/XXXX - requesting payment for XX/XX/XXXX. I had already mailed the money to XXXX XXXX ( as they had mailed me a statement ) ... AND XXXX XXXX had already been forwarded the money. Yet they sent me a certified letter claiming overdue account and harassed me with phone calls day and night ( through a non-identifiable phone number ). 
According to XXXX XXXX 's assessment, I was to pay an escrow payment of {$1100.00}. I paid that money to XXXX XXXX and it was not applied to my account - despite my attaching a letter AND a copy of the escrow analysis WITH a separate check. For months, the money went " unapplied '' and I received late fees and requests for higher amounts of money for my monthly mortgage. I spoke with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX and XXXX XXXX ) ... .these were just a few of the calls. 
Several times I was told the fees " should have been removed, I'm not sure where it came from to be honest with you because your payment did come in on time ). 
The best I can figure is that some of the confusion was due to XXXX XXXX not applying ( or incorrectly applying ) the additional escrow money. However, the amount of issues and requests for more money, additional fees, and even this " late '' fee of recent, has me believing that this company is engaging in fraudulent activities. I am concerned about retaliation by this company ... .since my recent complaint on XX/XX/XXXX caused the most recent " late fee '' to be removed ... ..and sparked the new one by posting my check on the XXXX of the month. If the company will go to those lengths to extract additional money from consumers, what else can they do? 
I am in the process of seeking a reputable mortgage company for transfer. Do I have any recourse? In light of these issues and the fact that this was a transfer loan, are there any protections available that would allow me to move my mortgage without substantial fees? I have read reviews from other customers with similar complaints. Is this company under review?
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 XXXX XXXX XXXX, has violated my rights. 
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 an account without my written instructions, has violated my rights.

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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. 
Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Vehicle loan or lease

I purchased my XXXX XXXX in XX/XX/XXXX The original loan amount is XXXX with 11.90 % interest. I have been late a few times and used the deferment option. However starting in XXXX of last year I noticed payments not being applied to my account or not appearing to make a difference in the balance. I reached out to XXXX and was told that sometimes money orders sent in take longer to be applied. It is now XXXX and I have sent in 5 money orders and paid several ACH payments or debit card payments. I should not only be paid in full I should be covering some of the late fees. However instead I see no payments on my account, they now have a repo company calling me and threatening to take to me to jail and the company ( GM ) is calling my family and work disclosing personal information. They call me up to 30 times per day from XXXX XXXX   ( I am on pacific time ) to XXXX XXXX  at night. 

So in short they are violating the law by threatening me, releasing my personal information to family and work and trying to take my car when it is paid as agreed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) Due to inadequate customer service An unfair practices, Which violate the consumer Financial protection act ( CFPA ) specifically, Cash app failed to take timely and effective Measures To prevent an address fraud on their platform Leaving my account, vulnerable and unprotected. Furthermore They dispute resolution process Was unfair and deceptive as they did not comply with Error resolution requirements Under the electric fund transfer act ( EFTA ) And regulation E. These actions have Caused significant inconvenience And final loss I see appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

I have constantly pleaded with Santander to give me an alternative way of making my payments so I am not late. They have refused to assist me. They have made reposts against my credit stating I have been more than 30 days multiple times when I have not been and when I call to gather information no one can explain to where the mistake is. I make the payments and they still report me as late and charge me fees when I pay on time. I have called multiple times to correct the mistakes and to stay current.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA this creditor ( XXXX XXXX XXXX XXXXXXXX ( Delinquent for XXXX XXXX of XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX ( Delinquent for the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ) XXXX XXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ), has violated my rights. Under XXXX XXXX XXXX section XXXX states I have the right to privacy. Ive been denied from housing and excluded from jobs due to the violation of XXXX XXXX XXXX XXXX XXXX. Under XXXX XXXX XXXX section XXXX section XXXX states that a consumer reporting agency can not furnish an account without my written instructions. I never gave the XXXX XXXX XXXX my permission to furnish my account and I would like the information furnish on my account to be removed ( ( XXXX XXXX XXXX XXXX ( Delinquent for the XXXX of XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Delinquent for the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ) XXXX XXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ) ). Under XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer plan as late for ANY PURPOSE. Removed the delinquent accounts from my credit report because they are violating several of my rights that are allotted to me by the FRCA. Do not respond with a generic response. I am well aware of my rights and the laws surrounding consumer credit and the FRCA. If you do not honor my request I will have to take this further and seek legal counsel. 

In accordance with the Fair Credit Reporting act XXXX XXXX are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : ( Transunion ) XXXX XXXX XXXX  -- Inquiry Date : XX/XX/XXXX, XXXX ) ( Transunion ) XXXX -- Inquiry Date : XX/XX/XXXX, XXXX ) ( Transunion ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX ) ( Transunion ) XXXX XXXX -- Inquiry XXXX : XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX  -- Inquiry date : XX/XX/XXXX, XXXX ) ( XXXX ) XXXX XXXX XXXX -- Inquiry Date : XX/XX/XXXX. The XXXX XXXX did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquiries as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following inquiries have violated my consumer rights to privacy and confidentiality under! 5 USC 1681.

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

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. 

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 I have repeatedly sent and called the all of the credit bureaus and requested that the inquiries removefor they my were not authorized by me nor did I give consent to any of these companies to pull my credit report, these following inquiries are violating my rights as a consumer. XXXX has refused to help even though they have had many inaccurate info on my reports. 

These inquiries has affected me immensely and i want these inquiries deleted immediatley!
Product: Credit reporting or other personal consumer reports

Equifax and Transunion is still reporting an inaccurate item ( XXXX XXXX XXXX ) on my credit report. I would like item remove immediately as shown in attachments case was dismissed and other credit bureaus like XXXX removed item from credit report. I need for Equifax and Transunion to do the same.

I would like the following account deleted from my consumer reports and or i would also like to be remedied {$1500.00} for damages due to the negligence of Equifax and the constant disregard for my rights by Equifax Under 15 U.S Code 1681e ( b ) Accuracy of report : 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.

15 U.A Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Student loan

This event happened a few days ago around XX/XX/2019. 

So my student loans originated with citibank and now they are at XXXX XXXX. XXXX was telling me how I can not be in in-school deferment because I had already used my 10 years. I am in XXXX  school, have been for two semesters, and I demanded to see my promissory note. It took about 24 hours for them to call me per my request and I still havent recieved my promissory note. When they called back, we discussed it over the phone and the rep read that my contract does show if I go to XXXX school I get an additional 4 years of in achool defferment. The rep even told me that their computer system didn't even show those terms regarding being in grad school, but it was on my contract. Thiss is highly illegal and I would like this company dealt with please. If there's any way we can get this student loan expunged due to illegal practices, then that would be great
Product: Money transfer, virtual currency, or money service

On XXXX I received a transaction fromXX/XX/XXXXXXXX for {$760.00}. Paypal deducted {$22.00} from this transaction without consent. I knew at the time that PayPal has two types of transactions : personal or business. This was a personal transaction and we were not looking for any " purchase protection '' that the fee provides. Knowing this, I watched the sender go through the steps to send the the money. They were using a mobile browser to access paypal.com ( not the app ). At no point were they prompted if the transaction was for " Friends and Family '' or if it was for " Business ''. The sender continued with the transaction and completed all the steps. We received the transaction on our end with the {$22.00} fee deducted from the transaction despite the best effort of 4 people watching the transaction occur. We went through each page that the website presented slowly and methodically. At no point did it ever ask if we needed purchase protection or that a fee would be applied. I will attach a screenshot of an example of a {$1.00} transaction that shows that no fees will be applied.
Product: Credit card or prepaid card

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2018 and a balance of {$0.00}. 

I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information.