23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XXXX XXXX 2017, I received a phone call from XXXX XXXX XXXX XXXX stating that they had removed me from the Public Service Loan Forgiveness ( PSLF ) program without my permission after 5 years and 8 months of on-time payments. I filed a complaint with the Department of education whom just referred the matter to a Great Lakes representative. That representative said they had no records of me ever being in the PSLF and unless I provided proof, I was stuck. They said if I wanted to be placed in the PSLF it would restart the clock back to XXXX and I would have to pay for an additional 10 years. Shame on them! I re-contacted Dept. of Educ. and stated that no one has contacted me regarding this complaint. I have not spoken to anyone researching or investigating my complaint. They simply restated information received from Great Lakes as valid, which is far from the truth. The information stated by Great Lakes is not true and is fraudulent and is the basis of my complaint. I did not at anytime authorize or agree to be taken out of the PSLF program. I would never do that. Any information to the contrary is false. It is my opinion that Great Lakes is a dishonest, lying, crooked company, and their intention is not to help the consumer at all. Conversely they have done everything possible to drive me into default even though I have never missed a payment. They deceived me and told me I was not eligible for any other program, and that I could not have my loan serviced by anyone else, and I just had to cooperate and pay the new raised amount for the next 10 years. I have contacted Great Lakes multiple times with No success, No options provided, no sympathy, absolutely terrible customer service, rudeness, and straight up LIES! I will never do business with them again and I STRONGLY warn anyone else of the same. Especially Veterans and Federal Government workers, BEWARE!
Product: Credit reporting or other personal consumer reports

capital one bank usa is showing as a inquiry on my credit report. which someone tried to get a card in my name.
Product: Debt collection

Healthcare Financial is showing up on my credit report so I gave them a call. I paid one amount that was on my report on XX/XX/2020. The woman said I had other debt. I said I had not received any notification of any debt and would like to see something in the mail or set up payment arrangements. She disregarded what I said and never attempted to help me. My ex husband and I are divorced. I was a XXXX  XXXX  XXXX  XXXX  and our children were under his insurance since he was employed. Instead of trying to help me, she went and out and something else on my credit report and I received notification from a credit monitoring service. I have not once received anything in the mail from them. I am divorced and moved and she did not ask about my new address or seem to care. Furthermore, I am not liable for these medical bills, my ex husband is.
Product: Debt collection

The credit card company said that I owed some money in the past and they have reported it to collections which have negatively affected my credit score very much. I want the debt to be removed from my credit.
Product: Checking or savings account

On XX/XX/XXXX my rent check of {$700.00} was taken out of my account. Directly after that there a NSF taken out of my account as well of {$35.00}. Well the problem with that is there was still {$51.00} left in my account after the {$700.00} came out. Actually after they took the {$35.00} NSF FEE I still had {$16.00} and some change left in my account. So how could I possibly be charged an NSF FEE when there were still funds left in my account after the FEE. NEXT again that was my rent check so I have now racked up {$170.00} in fees due to this illegitimate NSF XXXX! I I Specifically asked for a letter for my front office to see i was not responsible for the money being returned. A letter stating BANK OF AMERICA was in fact at fault ... I have been given the run around about that. As if they can't just email or fax a letter to my front office especially after they admittedly wrongly denied my payment. Admitted this on 2 different recorded calls. After all this stress and XXXX XXXXXXXX I just want my letter stating their error OR for them to cover these fees I've been responsible for due to their ERROR.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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

Hi I applied for a Forbearance plan by my bank because they wrote on their website that they will not report delinquent and but when I say my report the upcoming month I find a remark on my report whit the letter 's PDE ( please be aware that I never used this plan I all monthly payments ) I contacted my bank right away to remove Forbearance plan because I thought that no NEGATIVE INFORMATION INCLUDING REMARKS WILL BE REPORTED and try to explain them that my whole application was a mistake ( please be aware that I never used this plan I all monthly payments ) and remove the remarks. They send back to me a letter. That, Please accept this letter as confirmation that no adverse info has been reported on my account. and never removed the remarks.
Product: Vehicle loan or lease

On XX/XX/XXXX I bought a used XXXX XXXX XXXX  from XXXX XXXX Auto for {$16000.00}. Credit Acceptance was the only lender I could get an approval from. I paid {$1000.00} down. When I looked at my account online, I noticedI was charged {$37000.00}. After looking through the papers the dealership rushed me through, I found that Credit Acceptance charged me {$17000.00} as a finance charge. The finance charge is more than the purchase price of the car. Credit Acceptance refuses to do anything. But if I am a day late their reps call me non-stop all day long. It is so bad I have my phone on silent at all times.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I returned my leased XXXX XXXX XXXX to XXXX XXXX before deploying for military service. The vehicle had a recorded mileage of XXXX at turn-in, with an allowable mileage of XXXX. Subsequently, XXXX XXXX assessed wear and tear charges totaling {$1700.00}. 

On XX/XX/XXXX, a Turn-In Settlement Invoice was reportedly sent to my previous address. However, due to my XXXX and change of residence, I did not receive any communication or notification about these charges. Despite my lack of awareness, XXXX XXXX charged off the balance on XX/XX/XXXX. The account was then sent to a third-party collections agency on XX/XX/XXXX. 

In XX/XX/XXXX, this charge-off was reported to credit bureaus, negatively impacting my credit report. At no point was I notified of any late payments or the charge-off prior to this. When I became aware of the issue, I requested a XXXX for the charged-off debt, but XXXX Credit informed me XXXX XXXX was not required.
Product: Credit reporting, credit repair services, or other personal consumer reports

This may not be the right option chosen. My complaint is against Equifax for clear racism. I literally have never had any large loans or owed multiple XXXX  of dollars on anything. In the last 3 years i have paid everything off and have managed to get a XXXX on my XXXX and a XXXX on XXXX. Yet even tho i don't owe anything but student loans, and i have never had large debts my credit as a XXXX year old male who has never had large debt is XXXX with Equifax. That is racism and classism at its best.
Product: Debt collection

Account review inquiry by IQ Data International resulting in an account listed on my consumer reports and damaging my credit / credit score. I have never done business with this company. Company claims that I owe them money in the amount of {$7800.00}. I've sent my dispute requesting information proof of my debt owed to IQ Data International. The company sent me an unsigned unnotarized statement of charges owed to another company. IQ Data International included a partial copy of a lease contract to which they are not a party. I have disputed with the company and they have damaged my consumer reports, by reporting this inaccurate, false information. I have submitted a report to identity theft.gov with these facts and attached herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine Ive been incarcerated since 2011 I have recently been to release all the listed accounts and inquiries are fraudulent Heres a list of accounts : XXXX XXXX  acct XXXX, XXXX XXXX, XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX  acct XXXX,. inquiry XXXX XXXX,. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the accounts must be removed according to the court FCRA Status please remove all above listed accounts and inquiries thank you
Product: Vehicle loan or lease

I have a car loan with Cars-N-Credit of XXXX XXXX MN . They excessively call and text from a variety of phone numbers to collect when I am only a day or two late or have made arrangements with them because my pay date changed. Once payment is made they find other reasons to call me such as wanting my job information, asking me to submit pay stubs, or they will ask me to update my insurance information with them when it has not changed. I've told them to NOT call or text me while I am at work but they continue obsessively, if I am not a day late on a payment and they can not contact me about that, they contact me about something else. If I don't answer a call, they text, if I don't answer those, they email me multiple times every day. then they will leave notes on my car! when I am only 2-3 days late! I simply change playdates ( temporarily ) and they KNOW this.
Product: Debt collection

Some how when I sold my house the collection show up on my credits. I was not aware. Havent stay at the property in 3 year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : 1. XXXX Card- Date of Inquiry XX/XX/XXXX 2. XXXX XXXX XXXX- Date of Inquiry XX/XX/XXXX 3. XXXX XXXX XXXX- Date of Inquiry XX/XX/XXXX 4. XXXX XXXX- Date of Inquiry XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit card or prepaid card

Dear someone who may concern I applied America Express Hilton Honors Surpass Card in XX/XX/2022. According to the advertisement I can earn XXXX Hilton Honors bonus points after I spend {$2000.00} in purchases on the card in the first three months of card membership. My friend referred me and I applied this card online with him together. The entire application process is so smooth and I get my card information directly after file my information. There is no pop up or any notification during entire application. My friend can prove it. Then I get my physical card 5 days later. 
I made almost purchase or payment by using this card to fulfill the welcome offer as early as possible. America Express charged me annual fee in XX/XX/XXXX. And I achieved the all requirements in XX/XX/2022 to get the welcome offer. But I haven't received any offer rewards until now. Last week I reached out the customer service. They said I am not eligible to get welcome offer. However I haven't received any notification about " I am not eligible of offers '' from any forms. 
I contacted America Express customer service multiple times. First time, their excuse is I used a function of my other card. Actually I haven't use this function anytime. Second time, their excuse is I already got welcome offer from my first and only Amex card called Blue cash prefer card. But this is unreasonable since these two card is unrelated. And they didn't clarify this is only for first applicant when I am applying. They used different unreasonable excuses and even clarify this is Non-Amex fault to avoid their responsibilities. 
I logically think this action is FALSE PROMOTION and violate the transparence between Financial Companies and Customers. I request America Express provide me the Welcome offer. 
Thank you. 
Regards XXXX XXXX
Product: Checking or savings account

On the XXXX of XX/XX/2020 I received an email from citibank stating my account is been closed and I will be receiving a check of the funds in my account sent to the address on file. According to the bank policy it's going to take sixty days for the procedure. Its past sixty days, I dont have a check and whenever I call to check on the status, nobody seems to have any answers for me. I filed a complain a couple of months ago through consumer financial protection bureau before they sent me an email telling me why my account was been closed. After sixty days they telling me my account which is supposed to be closed, went from been under review to an investigation. I feel am been treated like this because am a minority business owner and am been put through all of this because of my race. I have not received any letter from Citi bank on any update and whenever I call they not willing to talk to me because my account is under investigation. They imploring all this delay tactics for what reason I dont know. They never gave me anything in writing through the mail and didnt receive a phone call to address anything. Am been treated like a criminal by this institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX  XXXX XXXX Balance {$3200.00} ; XXXX XXXX  XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} ; XXXX XXXX XXXX XXXX Balance {$20000.00}
Product: Debt collection

I am a client of American Express Everyday Card. 

I am being charged a penalty APR for late payments. However, I do not have a late payment with the account. I was charged a late payment which had to be credited by American Express, as it was paid on time. 

I contacted American Express and they stated I am receiving an anticipated Annual APR charge along with a " Penalty APR ''. They have provided no disclosure related to the penalty amount. Further, I have no late payments which would have activated a penalty APR. The penalty APR is approximately XXXX a month. 

I asked American Express to remove the entire period of penalty APRs, which have been applied for over a year. I asked American Express to accommodate me during the Epidemic. They stated they are reviewing, " not acting '' on any such support requests. They have not refunded the penalty APR. I have received no requested disclosure.
Product: Payday loan

I have submitted a cease and desist letter on XXXX/XXXX/15 and have asked the lender ( Cash Central ) to cease all debits of my checking account on XXXX/XXXX/15 with XXXX XXXX XXXX XXXX XXXX South Carolina XXXX. Cash Central did not honor my request to stop all debit transactions and have not honored my cease and desist. Lender has contacted me after acknowleding that they have received my cease and desist letter. They gotten it via email on XXXX/XXXX/15 and have contacted me by telephone on XXXX/XXXX/15 at XXXX and have also emailed me on XXXX/XXXX/15 at XXXX. They have also debited my checking account after I requested that they no longer debit my checking account for funds. Since then. I have contacted my bank and have filed an unauthorize transaction for my account. On today, the payment made to Cash Central was reversed by my bank. Again, Cash Central has not honored my Cease and Desist. Please advise on moving forward and steps to take civil and/or criminal action.
Product: Debt collection

In CFPB complaint XXXX Portfolio Recovery Associates claimed in their response that " Judgment was obtained '' in case XXXX. THIS IS FALSE. In fact their lawfirm has filed a motion to strike my answer to their lawsuit and currently a hearing is scheduled on it. Notification of Service Case Number : XXXX Case Style : PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX Envelope Number : XXXX. NO JUDGEMENT HAS BEEN OBTAINED. I think they are hoping that if they tell me judgement has been obtained that I will not show up in court and they will win by default.
Product: Credit reporting or other personal consumer reports

Based on the fair credit reporting act, Freedom Mortgage has violated my rights.

15 USC 1681 Section 602 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.

Due to this law, please remove the late payment in regards to Freedom Mortgage XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have had a credit card for 4 years. XXXX  and Experian do not provide me with my credit report or XXXX XXXX. I called both XXXX  and Experian several times and they refuse to help me. I even mailed in dispute to each of the companies. My credit card company sends my credit history to these credit bureau every month, on the XXXX of the month. Yet I never receive my report or a score. When I ran a credit check, I got the following errors. 1 ) XXXX  error : " Record not found '' 2 )  Experian error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' XXXX  said  that my first name is too short and so I need to hire a credit repair service. Experian said I do not have a credit file. If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with XXXX  and Experian ; and they are not even trying to investigate the issues. Why are these bureaus being to reluctant to help a consumer?
Product: Credit card or prepaid card

To Whom it May Concern- I responded to an American Express XXXX XXXX XXXX XXXX credit card on XX/XX/XXXX. The offer specifically promised XXXX XXXX XXXX if I spend {$3000.00} in the first the 3 months of opening the card. This XXXX reward point offer was active as far back as XX/XX/XXXX. 

This same offer is being advertised on the American Express website as today, XX/XX/XXXX. I spoke to XXXX from American Express today and she claims the XXXX mileage point offer doesn't exist. Even after I directed her the AMEX website, she claims the offer did not exist at the time I opened the account. I have photos of the website from XX/XX/XXXX that clearly shows the offer DID exist when I opened the account. This is clearly a bait & switch fraud being perpetrated on me by AMEX. 

I've been a loyal AMEX customer since XXXX and never missed a payment. You can reach me directly at XXXX.
Product: Debt collection

The company LAW OFFICES OF HAYT HAYT & LANDAU have been harassing me nonstop with phone calls and have also been harassing family members and giving out confidential information regarding my accounts.
Product: Credit reporting, credit repair services, 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. ENHANCED RECOVERY COMPAN 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.