23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for and was notified of acceptance of an Federal consolidation loan through servicer XXXX XXXX with an income contingent repayment. I did this to qualify for a Public Service Loan Forgiveness program via Dept. of Ed. I paid my billing via direct deposit and never took much notice to the bills but to note my payments were received.My loan servicer changed to MOHELA, but my payments went asbefore to Dept. of Ed. 
I have paid for 9yrs and was just informed that I did not qualify for the loan forgiveness because my  repayment was not income contingent, but an extended fixed plan! On reviewing old XXXX XXXX bills, I see that instead of IC I was put into a " Standard '' plan. The bills from MOHELA only say " Install ''type. The materials with my Application define " Standard '' as 10yr fixed but apparently the servicer 'slammed ' me into a more expensive " Extended '' 20yr plan - never notified me, AND disqualified me for the loan forgiveness plan in one shady move! If I was truly on a Standard repayment, I would be paying off the loan next year instead of still owing {$17000.00} and having 10 more years of payments!! I am requesting an admin hearing to resolve this and make the servicer XXXX XXXX make this right. I only consolidated with Dept of Ed because I learned of the forgiveness program - I worked for XXXX XXXX XXXX - and sure as XXXX would n't have opted to pay for the rest of my working career when roughly {$65.00} more a month would have paid me off in just 10yrs!!!!!!
Product: Credit reporting or other personal consumer reports

Violation of the FCRA : Inaccurate Reporting and Improper Disclosure of Information Description of the Issue : I have identified inaccurate information on my credit reports with XXXX and Experian. Both agencies are incorrectly reporting late payments on my XXXX XXXX XXXX  account ( account number : XXXX ). According to my records, these payments were made on time. 

I sent a letter to XXXX XXXX XXXX  on [ XX/XX/XXXX ] requesting validation of the debt and correction of the errors. However, I have not received a response within the timeframe established by the Fair Credit Reporting Act ( FCRA ). I later disputed the information directly with XXXX and Experian, but the errors persist. 

Furthermore, under the FCRA, no agency has the right to disclose incorrect information or violate my privacy by reporting inaccurate data about my financial history. This noncompliance jeopardizes my privacy and my credit reputation. 
The improper disclosure and inaccurate reporting of this information are damaging my credit score and my ability to obtain credit on fair terms. This also represents a potential violation of my privacy rights under the FCRA.

I request that : All inaccurate information and incorrect late payments be removed from my credit report. 
The agencies and creditors cease disclosing incorrect information in my history. 
I receive written confirmation that my information has been corrected and that my privacy will be respected in accordance with the FCRA. 

Attached Documents : Certified mail proof of sending. 
Current credit reports showing the errors. 
my ID Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KENTUCKY XXXX BIRTHDAY : XX/XX/XXXX LAST 4 OF SSN : XXXX
Product: Checking or savings account

Hello, On XX/XX/2021 I logged onto my citi bank account and the account said account blocked. I waited for an hour to speak with someone and was told that my account had been closed by them without a reason and a check had been issued with the balance. I was concerned because I had just transferred money with XXXX that morning. I was told that that transaction would be declined and return to my XXXX. Today XX/XX/2021 the money I deposited went through to Citi bank so I called them again, because the account is clearly not closed, they told me that the account was on hold to be closed and I would get the money in 30-60 days. I can not wait 30-60 days. I have no money now. I can not get gas, or buy food. I opened an account with a different bank but have no money now. I do not understand how they can do that and leave a person without their funds for 30-60 days. I can not eat without borrowing cash from family now.
Product: Debt collection

An old collection filed on XXXX XXXX, XXXX showed up as a new collection reported on XXXX XXXX, XXXX from CAPIO PARTNERS, XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX They have recycled the old collection to a new collection which showed up on my XXXX credit report.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially avaliable funds I believe these practices are unfair and request and investigation into my account transactions
Product: Credit reporting

CFPB BE ADVISED THAT EXPERIAN SHOULD HAVE GOT A COPY OF THE POLICE REPORT THAT I SENT INTO THEM REGUARDING XXXX ACCOUNT XXXX I WILL ALSO BE SENDING YOU A COPY OF THAT USPS TRACKING NUMBER IS XXXX ALSO I WOULD lIKE TO ADD AS A IDENTY THEFT PER THE FCRA 611 I HAVE ASKED FOR THIS INFO AND EXPERIAN RUFUSED TO PROVIDE THE INFO THAT I HAVE REQUESTED FROM THEM ALSO XXXX HAVE NOT SENT ME ANY INFO THAT I HAVE BEEN ASKING FROM AS WELL
Product: Vehicle loan or lease

For over a month I 've dealt with epic levels of incompetence at XXXX powered by Ally in taking advantage of the reduce buy out price for my leased vehicle. I 've had multiple chances to refinance with other banks but did not pursue them because of the promotion and the advertised ease of completing the process. It 's ridiculous that they only have 1 loan consultant, XXXX XXXX, XXXX Consultant, Clearlane, powered by ally. O : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX It 's also a joke that it took 3 weeks to get him on the phone and every time I spoke to someone there, I was asked the same questions and I 've given the same response. I live in XXXX. I lived in XXXX when I leased the vehicle from XXXX XXXX. My mother drives the car. I moved to XXXX, the car and my mother remain in XXXX. That has been communicated every single time I spoke to anyone there. Now out of the blue, they say that my mother has to be on the loan application since I 'm not a XXXX resident anymore. 
They have cost me precious time and have not caused me immense stress, anxiety and angst. The lease is up in 1 month. If I am unable to work through the process before the lease is up XXXX I work 3 jobs and have a toddle and a baby so my time is extremely valuable ) I will SUE Clearlane/Ally to the gills.
Product: Credit card or prepaid card

I purchased a keyboard at XXXX XXXX on a 0 % interest credit card through Synchrony Bank with XXXX XXXX. A couple of months into paying this off I realized Synchrony Bank recorded this purchase on a 29.9 % monthly interest payment credit card and that my balance was higher then the original purchase. I called XXXX XXXX and their records showed that the purchase was indeed on a 0 % interest card while Synchrony Bank still showed a 29.9 % interest fee. I spent about 4 hours on the phone with managers at XXXX XXXX and the ultimate response was that Synchrony Bank needs to fix the problem and that they themselves are unable to contact Synchrony Bank. I then over the course of months spent 10-12 hours on the phone with various Synchrony Bank managers and they said the same thing -- that this is XXXX XXXX 's problem and that XXXX XXXX needs to fix the problem. After a total of 15 hours back and forth of conversation no one is helping me resolve this problem and I have a few hundred dollars of interest payments on my account that are not mine to pay. In truth, this SHOULD have be a XXXX minute fix -- i.e. XXXX and Synchrony Bank communicate and Synchrony Banks makes a change in their system so it matches XXXX XXXX. 

I got to the point of having a manager at XXXX XXXX fax over forms to show Synchrony Bank that it was a 0 % interest purchase ( on XX/XX/2018 ) and it's now XX/XX/2018 and Synchrony Bank is saying they never received them, though what do you know -- XXXX XXXX records show they were received. The forms were twice faxed to the correct number with the correct title memo. I have no idea what to do. This debacle has been more difficult then purchasing a house or a car and NO ONE can resolve the situation. More so, no one on either end has interest in helping me. The worst part is that this was THEIR mistake, and they can't own it. Resolving the situation has fallen 100 % on myself. Synchrony Bank and XXXX  should not be allowed to do business together. They should honestly be fined. I was in essence swindled out of money that was and is STILL not a part of my purchase in XXXX XXXX 's system. Why can no one resolve this??? It makes no sense and is horrible business practice. Can no one at either company REALLY speak to each other and amend the situation. Shame on both companies. My only option at this point is to complain here and find a lawyer for this measly {$400.00} interest on my {$760.00} purchase.
Product: Debt collection

Jefferson Capital has an account on my credit report that is not mine. I have reached out to them several times and they are just rude and not very helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed an item with you ( XXXX XXXX Bankruptcy/ Reference # XXXX ), and in your response you verified the item as accurate, stating that you have verified by XXXX XXXX, but the information was reported by US Bankruptcy Court . I have enclosed for your review by the court. It is clear they do not report to you or any other credit reporting agencies. Also, it states that I have been Therefore, your original response to the accuracy of the item was inaccurate because it was reported as a discharge to the credit reporting agency by the court, which they clearly do not. Pursuant to the reporting requirements, the reporting does not comply with FCRA ( 15 USC 1681 and 1681i ) 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING : The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
In Addition : ( 15 USC 1681i ) Procedure in Case of Disputed Accuracy ( 5 ) Treatment OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general if, after any re-investigation 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 re investigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Also, I did not give you written permission to obtain and furnish my personal information to the consumer reporting agency. 
( 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( 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 did not give you written permission to provide any information for my consumer report.
Product: Debt collection

A representative from a law firm has contacted me several times regarding a debt I supposedly owe check and go. His name is XXXX XXXX and his number is XXXX. He states it is regarding a check and go debt. I asked for them to mail me proof of the debt because Im not aware that I owe them any money. He states he emailed it. I have never received an email. I reiterated that I would like it mailed. He stated he does not have to comply with that request. He continues to call me and stated that he is going to issue a warrant for my arrest. He has also stated that he will be coming to my job to discuss the matter. The man has yelled at me and threatened me. I have received over 7 phone calls today alone. I have gone to the police station and made a statement as well as gone to the court house. They have no record of this company filing a warrant for my arrest.
Product: Payday loan, title loan, personal loan, or advance loan

After making my monthly payment in full, I sent in an extra {$50.00} payment on XX/XX/year> via bill pay. On XXXX, Sofi posted the payment as interest. On XXXX I contacted Sofi via chat and asked to please move the payment to principle only. They told me via chat that this was not possible. The only way to make principle only payments was on the due date however their app does not have a principle only or additional principle field. There does not seem to be any reasonable way to make principle only payments with Sofi and pay down the loan sooner
Product: Checking or savings account

I am a XXXX year old XXXX  who invested my life savings into the Marcus by Goldman Sachs XXXX XXXX XXXX account. On or about XX/XX/year> I deposited {$50000.00} into the account. As of XX/XX/year> my statements reflect a balance of {$50000.00}. My XX/XX/year> - XXXX Online Savings Account Statement now reflects a {$0.00} balance, a {$50000.00} withdrawal, and my account closed. I also have been locked out of my account. When I called and provided my social security number, name, date of birth, cell phone number and secret code that were all confirmed they are telling me that they will not talk to me because -- 1. my scell phone is on a family plan and not in my name, 2 ) my landline is registered to my deceased husband 's name with the same last name, ad 3 ) I have a valid PA drivers license that they can not validate. The will not speak with me and will not tell me my balance or what has happened. This is my life savings and I need to pay for my deceased husbands tombstone. They stole my money and I am so upset. How can they do this to me.
Product: Credit card

We used to use XXXXXXXX XXXX service a lot. Until one day something changed. Im not sure what happened but suddenly they could not deliver an order on time. Then, the orders started to not show up at all. If they show up half would be missing or it would be a completely different order. I dealt with it for awhile because we paid in advance for this service. Our last 2 orders were from XXXXXXXX XXXX XXXX Neither of those orders ever showed up. I attempted to cancel this XXXX order when it was already 40 minutes late. They refused to cancel the order. We were already heading to bed when a bag was dropped on our porch. It was food but not what we ordered. It was also nearly 2 hours late. At the time I sent pictures of it spilled on my porch & of the bag full of sauces. Unfortunately I have since upgraded my phone & lost a lot of those pics. They should be attached to my Apple dispute. I do not know why they are not. Apple keeps requesting info. I send it, they request it again. I feel like they are just ignoring my submissions & declining the dispute. I was able to go into my reviews & pull pics I posted of the garbage they delivered but not of the bags & of my porch where it was spilled. I have already submitted these pictures to Apple though. I dont understand why they did not attach them to my dispute. This dispute was initiated over 6 months ago. What did they do with my evidence? I am submitting it to the CFPB because I do not feel it is being adequately reviewed at Apple. If they go back to the original complaint that I filed on XX/XX/scrub>XXXX XXXX XXXX  theyll see I submitted hundreds of photos & screenshots to support my dispute. What Apple did with them is beyond me. Im hoping you can help them remember & find that original complaint because I am tired of constantly resending & reopening the dispute that I have already submitted evidence of on multiple occasions.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX and list of Inquiries. 

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

Today XX/XX/2020 I received a copy of my equifax credit report from my dispute. I am uploading the incorrect information. First off this account has monthly payments each month. It is showing an empty box of no payment last received. 2nd issue isnt the last payment was not on XXXX I make payments every month. Next my balance is not {$4700.00} it is less than that.
Product: Credit card or prepaid card

My boyfriend and I had an international flight cancellation / disruption due to illness ( with a doctor 's note ) in early XX/XX/XXXX that qualified us for the trip protection insurance that is offered to all Chase Sapphire Reserve credit card customers. I have had about 4 follow-ups with the travel insurance company that provides the trip cancellation insurance over the same documentations that I had already provided. I had reached out 4-5 times to ensure they had enough information to process my claim. Each time I was told that someone would review the information the following day and get back to me. But I would never hear back until I had to reach out again. There had been consistent delays and lack of communication. I had followed up with Chase, but they had to transfer me to the same 3rd party insurance provider. The insurance provider kept asking me for the same documentations ( doctor 's note / statement, airline 's proof of no reimbursement / no credit issued, which I had already uploaded ). I also had repeatedly explained that the airline, XXXX XXXX, would not issue a bespoke statement to indicate that no credit was issued. XXXX had asked me to upload their fare policy, which shows that given my fare class ( low ), they don't offer any refund / credit even in a medical emergency. 

Chase should find a different travel insurance provider - this one clearly does not work.
Product: Credit card or prepaid card

This week I received a letter from Bank of America dated XX/XX/XXXX. It said my account was closed because it was inactive. However in the past it has been inactive for a year or maybe longer and stayed open. It mentioned something about my student loans which were paid in full last summer. Since then I owe nothing. After my student loans were paid off I called back a month later to verify the XXXX balance with the Dept. of Education and they said yes they're officially paid off and I also received a letter in the mail verifying paid in full which I can bring into a BOA branch if needed. The week of XX/XX/XXXX I spoke with a gentleman from Bank of America to update my contact information and he mentioned nothing negative about my account nor that it was about to be closed ( the letter from Bank of America was dated XX/XX/XXXX ). I always paid my BOA on time when I was using it. A long time ago it was reported as lost for months and BOA still didn't close it. That's why something's not right. 

Before I was terminated back in XX/XX/XXXX an employee told me that if they really hated someone, they would XXXX up their credit. If prior to having lived in XXXX I had gone long periods of time without using my Bank of America card without them closing it and just this week I received a letter saying it was closed, it doesn't make sense. I need someone, to help me reverse BOA closing my oldest line of credit which was helping my credit. The letter from BOA makes no sense because even after my student loans had issues, BOA still didn't close my account. Those student loans were paid in full last summer which the US Dept of Ed reported to each Bureau. An employee whom I worked with at XXXX XXXX in XXXX back in XXXX said that if they really hated someone, they would XXXX up their credit. Is it normal or ok for an employee to tell me this? Closing my oldest line of credit that had a XXXX balance was the last thing I needed to happen right now. This is ruining my chances of getting hired. I wouldn't be this worried if that employee hadn't told me that. Then have stuff like this happen and other things that happened when I worked in XXXX. If someone can help me, I'd appreciate it so much.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 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 the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. 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 shalli ) 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. Please remove the following items from my credit report, immediately : Experian ***** XXXX XXXX XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$18000.00} XXXX Account information XXXX Date opened : XX/XX/XXXX Balance : {$9700.00} XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  account information XXXX Dates opened : XX/XX/XXXX Balance : {$1000.00} TransUnionXXXX XXXX XXXX XXXX Account information : XXXX Date opened XX/XX/XXXX Balance : {$18000.00} XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$9700.00} XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  Account information : XXXX Date opened : Date opened : XX/XX/XXXX Balance {$1000.00} Equifax***** XXXX XXXX XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX Balance : {$18000.00} XXXX XXXX Account information XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$9700.00} XXXX XXXX Account information:XXXX Date opened : XX/XX/XXXX Balance : {$1000.00}