23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have several loans being managed by XXXX XXXX. All of these loans have been enrolled in an income based repayment plan, according to the rules for Public Student Loan Forgiveness ( PSLF ), for the better part of 6-7 years. During this time I have worked for a 501c and have submitted my Employee Certification Form every year. I make my income based repayments ( IBR ) every month and have not missed one.

However, every month I am sent a loan detail summary and the total payments XXXX XXXX says I have towards my PSLF is inaccurate. Some of the loans show as little as 3 payments, others a bit higher, but none of them show the correct number of payments for the amount of time I have been enrolled in this program.

On XX/XX/2018 I called XXXX XXXX about the incorrect qualifying PSLF payments shown on my monthly statement. I spent several hours on the phone and spoke to a few different employees from different departments ( employee ID XXXX and XXXX ). Ultimately I was told all of my payments would have to be researched and verified against all of the Employee Certification Letters I submitted. I was told this would take about 6 months.

It is now 8 months after I had this conversation. I have received no follow up from XXXX XXXX   and my monthly statements from them continue to show incorrect qualifying PSLF payments. In fact, since my phone conversation, the total number of qualifying PSLF payments on my monthly statement has not changed. Every month the numbers are the same.

It feels hopeless calling this company over and over again, reiterating the same story and hearing the same thing. I feel like this will never get addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX  - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Bank account or service

I had an account with PayPal ( PayPal XXXX, XXXX ) and Paypal processed a payment to my account from a buyer, who has purchased a watch from me. Transaction amount was {$5800.00}. I have mailed the item to the buyer 's billing address with XXXX tracked service. A buyer 's signature was obtained by XXXX at the time of delivery. The bank-issuer of the buyer 's credit card initiated an unauthorized transaction request. I have provided Paypal with all the requested records, which clearly shown that I have mailed the product to the buyer 's billing address and buyer has signed for the package and XXXX checked his government issued picture ID at delivery. Paypal reps confirmed that as a seller I HAVE SATISFIED all requirements for the involved transaction. PayPal reps also confirmed that the buyer 's bank HAS NOT provided any information regarding the case. BUT in about a month Paypal has withdrawn the funds ( {$5800.00} ) from my account without my consent and transferred it to the buyer 's bank. PayPal reps has provided the following explanation : - The buyer 's bank has hundreds of millions legal budget and I do n't. 
- The bank has to provide NO information on the transaction in question and PayPal would transfer money to the bank EVERY TIME the bank asks REGARDLESS of the evidences seller provides. They specifically stressed this would happen EVERY TIME. 

Unauthorized transactions happen, but responsibility and risk have to be shared between the seller/buyer and banks of the seller/buyer. For transactions such as mine - when item is shipped to the buyer 's billing address ( recorded and confirmed by the buyer 's bank ) with buyer 's signature and ID check on delivery - the responsibility has to be clearly on the buyer and buyer 's bank, and not on the seller. Otherwise, ANY buyer can use his credit card and order ANY item online without a need to pay for it, regardless of what evidence the seller provides and regardless what the seller does. 

This practice is very unfair to online sellers and very dangerous for the credit card industry. I expect Paypal to deliver the funds back to my account and let the buyer 's bank to deal with the buyer directly.
Product: Checking or savings account

XXXX payments not going through, card being declined even with funds in account. they sent me a check for XXXX in 2017 but it keeps happening since
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving credit monitoring service for several years ( 3+ ) through Experian 's XXXX program for myself and my family. At one point I was paying for two separate adult accounts for myself and my spouse, each costing {$24.00} monthly. On XX/XX/XXXX, I converted the two accounts into a family plan, at the advice of a phone representative, bringing my monthly cost to {$29.00}. I continued with this account until XX/XX/XXXX, at which point I upgraded for additional services, bringing my service cost to {$34.00}. In XXXX of XXXX I hired a credit repair attorney and cancelled my service as it was now redundant ; my attorney 's fee included all of the services that Experian had been providing me. The next month it was brought to my attention that I was still being charged a monthly fee of {$24.00}, from Experian. This continued through XXXX of XXXX, as I attempted multiple times to resolve through Experian and my credit card 's fraud department. Come to find out Experian never turned of the old account from my spouse and had been charging me multiple redundant fees since XXXX of XXXX, totalling an overcharge of {$520.00}! They have argued with myself, and the XXXX dispute department, that these are authorized charges, and, in addition, refuse to provide me with any paperwork or access tied to this additional duplicate ghost account, because it isn't in my name and I can not be verified for the account! I have attached some screenshots of the charges for the last few years and I've cropped out my personal information from the first page for my own safety.The company continues to refuse resolution due to my inability to provide the information for the ghost account that they refuse to provide to me.
Product: Bank account or service

I received invitation from Bank to open Savings Account through XXXX mail. I applied Online for savings Account, I met with an error and it advised me to call them. When I called them, they denied the Account opening saying I do not have sufficient history from third party regarding my SSN. I asked them if they can send an email about denial or if I can send more documents, proof to satify requirements. They simply said No for everything and denied Account opening. They simply said we cant help. I have excellent credit rating and I am clueless about what happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX Collection Agency Address : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Debt collection

I am XXXX XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with LVNV FUNDING LLC company I believe the original creditor XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a mortgage forebearance with XXXX XXXX XXXX XXXX and the forebearance ended XX/XX/XXXX. I started a loan refinance XX/XX/2020 which took the bank 3 months to close and they charged me an extenstion fee as well as now noting on my credit file that I was 5 months past due. My refinance was approved and closed in XXXX with a new loan with the same bank. Now my credit report shows 5 months and over 120 days past due. How can they do that. I have disputed and contacted the bank on their mistake. I was never late on my Mortgage before the cares act forbearance due to the loss of my job due to the XXXX XXXX I worked for didn't want to due all the covid updates and retired. The XXXX XXXX XXXX XXXX suggested to me to do a forbearance per XXXX in collections and told me NOT to make any payments during the forbearance. I paid full month payments on time for XX/XX/2020 and XXXX until the loan closed. I am so frustrated with the mistakes and no positive action from XXXX. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine.  None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Consumer Loan

My husband went to a local branch and paid off my car loan. Knowing he was not on the note and the branch woman could not release my account status information ( payoff quote ), he rounded up and overpaid ( what I showed on my account to be the remaining amount ) by {$3.00}. We received the paid-in-full letter dated XXXX XXXX, 2015 via mail stating the title released and enclosed. On XXXX XXXX, 2015, I called requesting the payoff overage. The man I spoke with said he could not find it, nor my final payoff statement. I asked him to get manager assistance and he stated the manager could not find it. The man said he could send a payment history, I never received this document ( I did note that the CR verified my current address ) My husband called again on XXXX XXXX, 2015 to simply request a payment history ( or payoff quote, I can not remember ) sent to the address on the account. I then called sometime in XXXX? ( I did not write down the date I called ) and spoke with XXXX who then transferred me to XXXX. # XXXX XXXX was very defensive during the call regarding this history of mine and my husbands previous conversations with the company. # XXXX XXXX stated there was no overpayment ; however, how could it be that my husband rounded up and that overpayment amount just so happened to be the EXACT per diem interest rate? The final principal was {$1800.00} ; my husband paid {$1800.00} ; an overpayment of {$3.00}? # XXXX XXXX advised she would send a payment history within the next 7-10 business days. I have never received this document. Please understand that I did affirm XXXX at the end of our call, because I believe in affirmations and I know CS is not always easy ; however the tone of her conversation was defensive until that point. A CR should never be on the defensive. We as customers can not see the same history CR 's can and most of the time we are going based on our lunch-break chicken scratch of notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting multiple tradelines with inaccurate information. I was unemployed in 2014 and my XXXX  and USDOE loans were deferred as I was collecting unemployment from XXXX at this time. These lates should be removed from my credit report. 


I was NEVER late XXXX XXXX or XXXX/Bestbuy. These lates are inaccurate and should be removed. 

XXXX/Bestbuy is being inaccurately doubly reported as 2 seperate tradelines. 

I have been locked out of the online dispute center and transunion refuses to open it for when when I called.
Product: Checking or savings account

I recently filed a complaint with chase bank regarding multiple charge that I did not authorize with two different companies, the amounts were For XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. I didnt notice that if I was missing my card or not during those times. Since I dont have it in my hand at all times, but that I didnt authorize or make these charges or authorize anyone else to make them either. The bank filed the charge, a few days later provided a provisional credit, and then I didnt hear anything about this claim until I logged into my account and noticed that the provisional credits had been reversed. I tried calling the company 2 times on XX/XX/XXXX spoke with one person who told me that they contacted the merchant and that the merchant said the card was used in the store and that they decided to then deny the claim. When I tried to get more information or options to go forward since I never made those charges and dont want to be liable for them, they stated there wasnt any that unless I had proof of anything then this was the end. But how am I supposed to have proof of something I didnt do or authorize? I asked to speak with a supervisor which they refused multiple times before finally putting me on hold to transfer me, I then sat on hold for about 30 mins only to have the call disconnected. I tried calling back again and spoke with a different person who did and said the exact same things then transferred me only to again sit on hold and have the call disconnected about 30 mins later.
Product: Credit reporting or other personal consumer reports

Factual Data has been reporting a bankruptcy on my report from XXXX, which shows no information verified, nor if the bankruptcy was DISCHARGE or DISMISSED. This has affected my credit report tremendously which has many errors, place by XXXX. As you can see United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  stated that they do not validate from consumers files, this was an error which XXXX and XXXX remove the bogus information being report. XXXX XXXX illegally keep using false information in which this has been an error for years and fail to verify that the bankruptcy was in fact error in cross reference to another individual. I have fought for years to finally have this remove DELETED from XXXX and XXXX. Therefore Factual Data has provided false information and also the fact of not showing when this case was file if its discharge or dismissed. There is no verifiable information listed with Factual Data. The information was verified with XXXX not the XXXX  Federal Court this agency lied to avoid the truth that the account was place in error.
Product: Credit reporting or other personal consumer reports

I was apart of equifax data breach, please remove and block all accounts
Product: Credit reporting or other personal consumer reports

After finding a fraudulent hard inquiry on my credit reports, I attempted to sign up for an Experian account online so that I could report and manage fraud alerts. In doing so, I discovered someone had already set up an account for my SSN only they didn't use my actual email address, phone number, or personal details. I attempted to contact Experian by phone multiple times and was unable to get an agent on the phone repeatedly as their phone tree does not have any valid pathways to reach a human agent and tells consumers they should do what they need to online. I tried calling an entirely different department 's phone number and was able to speak to a human agent who couldn't resolve the problem but informed me someone had also set up a checking account for me and assured me that this would be closed as fraudulent. I was connected to another department that asked me to send verification of identity via mail in order to regain access to an account online. I sent this information and received an email stating my identity had been confirmed. However, despite resetting my email address and signing me up for unwanted marketing lists, they did not remove the security question details or phone number that were fraudulent. Therefore, I still can not get access to an account online via resetting my password. I was subsequently informed that there's still a smart money bank account in my name with Experian. I sent a second snail mail letter requesting online account access and to be contacted by a XXXX who can resolve these issues. Both mailed letters were tracked and show received at Experian Consumer Affairs. Still, no one has contacted me directly to resolve the issue. Meanwhile, there's been a second fraudulent hard inquiry on my account with XXXX XXXX and I'm still unable to manage my identity or resolve fraud with Experian. Neither XXXX or XXXX have been so terrible to deal with as Experian.
Product: Student loan

Student Loan has been paid on for going on 9 years now. Was told today the reason my loans have gone UP is because changing plans capitalizes the interest. At no time was this told to me before today. Furthermore I made {$8100.00} in payments last year and from the tax statement received by me, {$0.00} went to principal. At this point it is worth just taking the hit and ruining my credit from this point forward because with no options to repay a reasonable monthly payment that actually reduces the principal, the credit will be ruined in the end anyway. XXXX XXXX XXXX XXXX has horrific customer service agents that will tell you very quickly they do not care about your situation. The government has made it where there is no way out so they have you no matter what and do not care. So this is my last effort to try to come to a reasonable agreement and where i can see this loan being paid off. Because as of right now the only way this loan goes away is when i do.
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. 

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 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.