23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I've been repaying my XXXX XXXX loans since XX/XX/XXXX. 

XXXX Aidvantage tells me on the phone I'm eligible for forgiveness in XXXX, which is a 30 year repayment term on a 25 year XXXX plan. They assert XXXXXXXX XXXX  has my repayment beginning in XXXX. There is no way to directly contact the people doing the count. 

The Aidvantage website says that I will be paying through XXXX on at least XXXX loan, which is a XXXX year repayment term on a 25 year XXXX plan. 

Meanwhile, the XXXX offered this guidance this week, suggesting the one-time adjustment is complete : XXXX XXXX XXXX " Payment Count Adjustment It is important to note that the Department conducted a one-time payment count adjustment of XXXXqualifying payments for all XXXX XXXX and federally owned XXXX loans in XXXX. Borrowers with commercially-held XXXX loans were eligible for the adjustment if they consolidated their loans into a XXXX XXXX Loan. The payment count adjustment counted time toward XXXX forgiveness, including : any months in a repayment status, regardless of the payments made, loan type, or repayment plan ; XXXX or more months of consecutive XXXX or XXXX or more months of cumulative forbearance ; any months spent in economic hardship or XXXXXXXX XXXX in XXXX or later ; any months spent in any XXXX ( with the exception of XXXX XXXX  ) prior to XXXX ; and any time in repayment ( or XXXX or XXXX, if applicable ) on earlier loans before consolidation of those loans into a XXXX  loan. 

More details about the payment count adjustment can be found on XXXX. 

Even though the XXXX  separation process was not available in time for the one-time payment count adjustment, all XXXX borrowers who submit an Application/Promissory Note by XX/XX/XXXX, will receive the benefit of the payment count adjustment. The adjustment will be applied for both borrowers who apply to separate their XXXX  through the joint application process. 

For separate applications, the remaining co-borrower who did not apply to separate the joint debt will not receive this benefit unless and until the co-borrower submits an Application/Promissory Note to separate and consolidate into a XXXX XXXX Loan by XX/XX/XXXX. 

Likewise, commercially-held XXXX XXXX borrowers who go through the separation and XXXX process will also be credited with earned progress toward XXXX XXXX XXXX XXXX XXXX XXXX XXXX based on the payment count adjustment if the borrowers were working for an eligible employer during the months credited toward XXXX. Each co-borrower will need to use the XXXX Help Tool or complete a XXXX Form to assess their employment eligibility once the individual XXXX XXXX  Loan is made. This can occur after the XXXX payment count adjustment. 

Once separated, borrowers should not expect to have the payment count adjustment credited to their new XXXX XXXX  Loan immediately. The Department will not be prepared to apply the payment count adjustment to separated XXXX until after XX/XX/XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under XXXX. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased ( 3 ) money orders from XXXX on Saturday, XXXX for {$11.00}, {$30.00} and {$150.00} shortly after XXXX. All three money orders were filled out, placed in envelopes and mailed to each creditor after being placed in a USPS mailbox all at the SAME time and place. Because this was late Saturday night, the earliest pickup for delivery would have been Monday XXXX. On XXXX, I completed a request for refund of all three money orders to Western Union as none of the three creditors had received payment. I provided WU with copies of each of the money order receipts. They refunded two, the {$11.00} and the {$30.00} money orders but stated the third one for {$150.00} had been cashed on XXXX. This money order was stolen from a USPS mailbox, altered and forged. I have explained this to WU many times and advised them that you can see were the lines on the face of the money order are smeared. I completed their Purchaser Affidavit and emailed it to them on XXXX. I have also sent them a copy of a letter from my creditor, who never received that payment, that states the amount never received from me. XXXX still refuses to refund this money order to me and have stated that they will only do so if the bank that cashed the stolen money order agrees to return payment to them. I have complained to every agency I can and still XXXX will not refund my money. They would like me to wait for approximately ( XXXX ) days and will refund it only if the money is returned to them.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$900.00} Status Closed. {$88.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3900.00} XXXX Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} written off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

I am currently on my 5th phone call with Citibank in 3 days. My credit card number was stolen- I was alerted to a fraudulent transaction by text from CItibank on Monday XX/XX/18 at XXXX XXXX., I was told Monday at XXXX., card was being shut down and a new one issued. Since then, multiple transactions have shown, including 2 transactions, both to same vendor- one to old card after I was told it was closed and one to the new card that hasn't been activated yet. The first of these two charges I was told was declined, yet it now shows today towards my balance owed and a second charge for the same amount to same vendor is showing under new card number that wasn't even received when the charge was processed ( that's 2 charges to same vendor for same amount unauthorized and being cleared by Citibank ). I am told there are other charges, I am recieving emails that my balance is rising but Citibank will not tell me what those charges are or to what vendors they may be. I have spoken to 4 different people at Citibank just today alone- I requested the account be frozen multiple times including to 3 different representatives today and I am still getting emails from Citibank as I watch my balance continue to rise ( {$1000.00} since noon today ). I was told by one representative she was canceling the new card and sending a 3rd set of cards, I am now told the representative did not do any of the items she told me she was doing, and the balance due continues to rise. Citibank is dismissing the importance of the matter and is not acting on my behalf to protect my account.
Product: Credit card

on XX/XX/26 i contacted Capital One about 4 charges from XXXX XXXX XXXX that i was not aware of what they were. Cap 1 informed me they would contact XXXX XXXX XXXX and inform me of the result of the inquiry. I did not receive an email or phone call. This week i received from XXXX XXXX XXXX a past due notice for 2 of the 4 charges. I contacted Cap1 to see what their inquiry found and was told i was sent messages, but did not respond to them, so they closed the case. For some reason they paid XXXX XXXX XXXX XXXX of the disputed charges but not the others. 
i stated i had not received any communication. The customer service agent told me it would be online where i log into my account. She directed me and it took her over 5 minutes to find out where messages are placed. and she was very competent. 
no on ever told me i would constantly need to check online to see if they were communicating with me. 
this is deceptive and could be damaging. no one just places ( in this case hides ) messages on their site without telling the customer that a message has been sent and how to access it. othe companies either send an email detailing the situation, or one telling you to check your messages on the company site. 
Capital One should make sure customers are aware of communications and make it easy for them to be accessed.
Product: Checking or savings account

On XX/XX/XXXXI called in and complained because Huntington Bank charged me {$37.00} which is a Returned NSF item fee because of not enough funds in my account to cover {$44.00} water bill. However they had subtracted that amount out of my account already so it appeared to be paid but the next day I looked into my account and they had returned it and charged me a fee. I spoke with XXXX who was extremely arrogant and rude. I explained to her one of the reasons I chose to bank with them was their 24 hour grace window and on this transaction that window of 24 hours was not given to me. She stated that it was their option not to extend the 24 hour grace to whom they wanted and it was n't a guaranty. I explained that was n't in the promotion that they advertise so in essence they were running a bait and switch advertisement whereby you have consumers open up their accounts thinking they have a benefit of a 24 hour grace period when really they do n't. I advised her that it appeared to me she was getting agitated because I was voicing my opinion which was my option and she stated that the system do n't no the race of a person when it rejects items for insufficient funds it is done internally based on your account. I stated that I know that because a lot of the complaints against there banks when it comes to this particular issue is with their XXXX American account holders and she stated if so then we need to keep funds in our accounts and we would n't have that problem. I was livid and shocked and I advised her I would file a complaint against Huntington Bank. I am considering a class action lawsuit if I do n't receive an apology and my funds put back in my account and afterwards I will find another banking institution for my direct deposits. When I thought it could n't get any worse on XX/XX/XXXX I was charged two insufficient fees of {$37.00} and 2 of my check items were returned again with no 24 hour grace notice once again although my direct deposit was deposited in a second account that came in the same day. I honestly believe this was done in retaliation for my earlier call onXX/XX/XXXX with XXXX as well as Huntington Bank discriminatory practices against XXXX Americans. I spoke with XXXX today and she was n't helpful at all so I had no other choice but to file this complaint and if this complaint does n't suffice then I will file a class action law suit to shed light on their banking practices as it relates to people of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019, I initiated a cash-out refinance on my home with XXXX XXXX XXXX Due to an administrative error, XXXX XXXX inadvertently included a relatively low-interest XXXX credit card on the list of cards to be paid off and closed within the loan documents, so rather than scrap and restart the process, I agreed to close the XXXX account and have it paid off. After the refinance process was complete, I assumed that all accounts were successfully paid off and closed, until I received a call from a collection agency the following year regarding a debt owed to XXXX for {$220.00}. I contacted XXXX and explained the situation, and they agreed to disregard the additional interest charges and penalties and accept a payment of {$75.00} to settle the debt, based upon the original unpaid interest charge of {$73.00} on a final payout of {$6700.00}, which was apparently due to the fact that XXXX  received the payoff check from XXXX XXXX XXXX DAY after the final statement due date. Again, I thought that the matter and account were closed, but the following year, after being denied several applications for credit, I learned that the top of my TransUnion credit report highlighted my former XXXX account as an Account with Adverse Information with multiple delinquencies of 120 days following the account closure, despite all other payments on my entire credit report being on time. Upon contacting XXXX to request the removal of the Adverse Information from my credit report, I was told that when I created a XXXX XXXX  account to print off a final statement for XXXX XXXX, I allegedly agreed to only receive electronic communications from XXXX  on my soon to be closed credit card. XXXX could not produce any evidence of electronic notifications sent to me regarding the account or additional charges, but from my email records I discovered that the only email that XXXX had sent to me was a notice that my online account ( on my closed credit card ) had been suspended because I signed in from an unknown device. XXXX continues to deny that the Adverse Information on my credit report is inaccurate and misleading and refuses to have it removed, so it will remain there and ruin my credit report for XXXX more years. While TransUnion allows a consumer statement to be included on the credit report, it not only appears below the Adverse XXXX information, but its buried at the very bottom of the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loan accounts on my credit reporting that I did not authorize. I have never applied for student loans due to the fact that I never attended college. This information is incorrect and does not belong to me. I have reason to believe that my personal information may have been compromised.
Product: Mortgage

There's a whole long story about how I got to the point of needing a loan modification and I won't go into it unless requested to do so. 

However, I did need a modification and Shellpoint Mortgage provided it. 

When the process began I owed approximately {$34000.00} on my property and had a little over three years left on a fifteen year loan with a 6.25 % interest rate. My late husband and I had taken that loan because we were both working and could make the payments. However, when he passed, it was very difficult for me to make the payments on my own so I asked my mortgage company ( I think it was XXXX ) to rewrite the loan at a lower interest rate and in my name only which they refused to do. I kept asking and finally, after one of their employees told me they wouldn't do anything as long as I was up to date, I let the payment get behind. This, I believe, was in XXXX 

Didn't do me a bit of good. After a few lawyer letters, foreclosure loomed and Shellpoint came into the picture. 

I now have a forty year mortgage ( I was XXXX when this all occurred and will be XXXX when/if I can ever get this paid off ), at a 6.25 % rate ( even though rates have been very low since way before that! ) and my balance is {$68000.00}. My house needs lots of work and is currently worth Iess than {$90000.00}. I can't even sell and make enough to move. 

I am retired and working part time to supplement my social security income but I just know I can't do this until I'm XXXX!. I feel trapped like the proverbial rat. 

Do you think I have a case? Do you have any recommendations for a lawyer? Is a real estate lawyer what I need? 

Thank you for any guidance you can provide,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX  XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX  XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX  XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Checking or savings account

I was suppose to have my direct deposit go into the capital one checking account on XX/XX/XXXX, the latest XX/XX/XXXX because of the early pay access. They keep saying its a technicality issue and that they cant do anything mean while i have no money
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. Company Inquiries XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount * last verified date of last activity date reported date opened date closed creditor type llsted as finance/personal last payment the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I purchased a used XXXX XXXX XXXX on XX/XX/XXXX. I financed the car with Credit Acceptance Corporation. I also purchased gap insurance. On XX/XX/XXXX the vehicle was involved in an accident. The accident was not my fault. The car was a total loss. The other drivers insurance company paid the balance of the car. The remaining balance was covered by gap insurance. But Credit Acceptance Corporation still shows the account as open. With a remaining balance, and late payments since XX/XX/XXXX. 
The account is closed and should be remove from my credit report. With the 2 years of late payments.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I sent there is a collection items listed that I am not aware of. I attempted to contact collection company and request verification and recieved nothing back. I understand is this a violation of FDCPA and to have account deleted.