23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Fed Loan Servicing put my loans in deferment. I never asked my loans to be put in deferment. They intentionally put my loans in forgiveness in order to extend the loan repayment period. I have been paying my loans every month of over two years now and I never wanted my loans to be in deferment. Fed Loan Servicing is intentionally putting my loans into deferment in order to to extend the loan repayment period. I never wanted my loans to be in deferment. Fed Loan Servicing put my loans in deferment about three months ago which I never asked for. Fed Loan Servicing needs to retroactively return my loans to normal repayment status back three months. There should n't be a deferment period in my loans as I never asked for a deferment period. Fed Loan Servicing is intentionally trying to extend the repayment period on my loans by putting my loans in deferment which restarts the clock for loan repayment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT # XXXX this company sent me a validation of debt with proof that they are reporting inaccurate and incomplete information to different credit bureau. The credit bureaus they are reporting to all have different inaccurate and incomplete information.

In accordance with the Fair Credit Reporting Act this creditor 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 an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

This creditor is in violation of 15 US code 1692J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Checking or savings account

I can no longer access the account in order to provide more details. Account is now closed.
Product: Checking or savings account

12 years ago, I opened a student bank account with my mother and father. 7 years ago, I found out that they had judgments against them ; therefore, I went to my local branch, told them my problem, and was told that by changing my account that their names would be taken off of it, and I would not have their problems follow me. XX/XX/2018, I look at my bank account, and find out that it has been garnished. I call Bank of America,  and they tell me that my parents names are on my account. I try to ask for more information about this - given the statement about 7 years ago -, but the only thing I've been given is a number for XXXX. XXXX is extremely unhelpful in giving any information to either my mother or father about the garnishment, and their only motive is collecting on whatever debts they have. I've tried contacting Bank of America several times to  learn more about this garnishment, but each time, an associate refuses to give me any information. I get another account with Bank of America so that I can try to protect any future money ; however, I just received a letter in the mail saying that I'm going to be charged a processing fee of {$500.00} due to this garnishment, which I am not allowed to know anything about. I call Bank of America again today, and ask them if Bank of America is going to seize my new account to pay this. I find out that yes my new bank account can be seized for this secret garnishment, and any future bank accounts I get with whichever bank can be seized by my parents ' creditors due to a law called " right to settle '' which now forever ties me to this garnishment of my account. 

Bank of America has acted negligently with me as their customer by not ending my account 7 years ago when I had asked them to, and thus placed me in danger. Now while I'm trying to speak with them more to try to understand the danger that they've placed me in, they are refusing to help me in any way.
Product: Credit card

Account was closed with no notice however there has never been any late or missed payments or a balance carried. All financed items were paid in full before promotion periods ended. There was no reason for account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that XXXX has CONTINUED to engage in violating all my consumer rights to the point where it has gotten out of hand. I have undergone NUMEROUS encounters with XXXX at this point. I AM REQUESTING THAT CHASE SEND ME MY public and private accounting records in accordance with XXXX, and all other account records. BILLING STATEMENTS AND LETTERS ARE NOT DOCUMENTARY EVIDENCE AND ARE CONSIDERED FRAUDULENT DOCUMENTATION! AS A CONSUMER PER THE LAW WHAT YOU ALL DOING IS DEAD RIGHT FRAUD! I am giving you TEN DAYS TO send me all DOCUMENTARY EVIDENCE WHICH INCLUDES MY PUBLIC AND PRIVATE ACCOUNTING RECORDS OR I WILL SUBMIT IN THE FOLLOWING WHISTLEBLOWER FORMS TO THE IRS due to TAX FRAUD! Furthermore, YOU ALL CONSTANTLY HAVE HARASSED AND ABUSED ME BY CONTINUOUS CALLING MY PHONE. PER THE LAW, THIS IS A VIOLATION! Per the FDCPA, it is a {$1000.00} fine per violation! 

PLEASE REVIEW THE ATTACHED WHISTLEBLOWER FORMS! I AM KEEPING ALL DOCUMENTATION AND RECORDING ALL EVIDENCE TO BUILD UP MY CASE FOR LITIGATION! 

THIS IS EASILY CONSIDERED A RACKETEERING CASE WHICH RESULTS UP TO IMPRISONMENT FOR 20 YEARS! 

DO NOT SEND ANY MORE STATEMENTS OR LETTERS, SEND ME MY PRIVATE AND PUBLIC ACCOUNTING RECORDS OR BLOCK, REMOVE, AND DELETE THIS ACCOUNT! 

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

There was many issues unauthorized charges that was never resolved also locking and closing account for withdraws that was authorized by me with no explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Experian since XX/XX/XXXX. I have contacted them several times and nothing has been done. I am a victim of identity theft. They assigned my investigation to XXXX XXXX. My last called was XX/XX/XXXX about inquiries that i didnt authorize are still on my credit report. This is the XX/XX/XXXX time I have called in over 30 days about several unauthorized inquiries on my Experian report. XXXX nor anyone else has called me for follow up in my investigation. This is ruining my credit and being an victim of identity abuse is frustrating. I need Experian to do there job.
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS PORTFOLIO RC XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from PORTFOLIO Inc WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX, XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Bank Account # XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Card XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Bank XXXX, has violated my rights .

15 U.S.C 1681 section 602 ( a ) states I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX  account number : XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : I do not authorized consent nor benefit from the alleged accounts listed in my supporting documentation. XXXX have already completed an investigation and removed the following accounts in 2020. I demand that XXXX and TransUnion follow suit and remove the following accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute inquiries listed on my credit report that I believe is inaccurate and part of a data breach my information. The inquiries in question 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recall authorizing these inquires been that I already have a car loan, I have no knowledge of my business dealings with, I Have not applied for any credit or services from them, and I believe these inquires may be a result of identity theft or mistake.

I request that you investigate this matter further and provide me with any information you have regarding the inquires. I also request that you remove these inquires from my credit report as soon as possible, as it negatively affecting my credit score. 

Please provide me with any updates or resolutions to this dispute in writing at the address listed above. I appreciate the prompt attention to this matter and look forward to hearing from you soon. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the tXXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX 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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXnquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX, XXXX
Product: Mortgage

1. In XXXX XXXX, we applied for a home loan modification due to financial hardship caused by family medical issues. In or around XX/XX/XXXX, we were denied home modification and was informed during the last week in XXXX by Supervisor XXXX XXXX in order to maintain our home from default proceedings, we would have to make an XX/XX/XXXX payment of {$1600.00}. In XX/XX/XXXX through XXXX XXXX, monthly payments of {$1700.00}. In XXXX XXXX, our monthly payments would return back to {$1300.00}. ShellPoint did acknowledge our medical hardship, However, our assigned Shellpoint representative XXXX XXXX did not informed us that Shellpoint was not a participant in President Obama 's HAMP program. In XXXX XXXX we were under the impression that we were applying for a HAMP Home Modification. We were not notified that we had the option of appealing the initial offer. The assigned single point of entry assigned to was never available to speak to us or answer any of our questions. He did not return calls at all, as per his company policy that calls should be return with in 48 hours. His coworkers always handled his calls and decision were made from third handed information in that we were not consulted for clearance by him. Options such as refinancing, home equity loans or options were not discussed or presented to us. Only options were the Company modification Program, Short Sale, or turn over the deed. The Company 's modification offer increased our monthly mortgage payments by approximately $ 300 monthly. We were denied having access to our mortgage holder. We were given a different company every time we asked and was advised not to call because they were hired to handle this. 
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Product: Credit card

i was issued a credit card thru citibank, a visa card to replace my XXXX costco card without my permission before the due date on the previous card was due for payment. I tried to make payment and was given instructions to call citibank and pay them. I called on four different occasions and could never get thru and then found a number online and waited about an hour before i was able to make payment but still could not cancel card and was told i would have to call another number. I did that and finally got thru to someone to turn off card and started thinking, how is this legal. I never asked for a different company. It seems to me that they should have given you a choice to accept the new company or just pay your bill and they would cancel your card when it became obsolete. I did not want another visa and especially one with a 15+ interest rate. I can see citibank making a lot of money charging interest fees on money that was transfered to their high interest cards with no easy way to pay. I have never had a buisness or credit card company do that before and the letters they sent out were misleading. They kept saying do nothing. I assumed i would get a closing bill with an option to switch. That would have been the right thing to do, instead they did the sleazy thing that pretty much seemed like bait and switch to me. Is there a way to keep companies from doing this?
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX 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
Product: Payday loan, title loan, personal loan, or advance loan

I'm trying to pay off my XXXX XXXX credit card instead of paying monthly and show it paid off on credit reports. I only 3. The other 2 are paid off. I'm trying to get the 3rd. 

So I applied online with One Main Financial. I was approved for {$11000.00} secured loan. 
In order to obtain funds, the next process is to submit the required documents. I submitted my driver 's license, vehicle registration, vehicle insurance, vehicle title, and paystubs from two different jobs ( XXXX XXXX  which they allowed, the XXXX they didn't because my proof was by bank statement and they only accept alimony, etc as proof of income via bank statement ). 

After I submitted the documents they moved the goalposts and asked for my 1040 Schedule C, and proof of tax extension. I sent my XXXX XXXX XXXX XXXX schedule C and my XXXX proof of approved file extension from XXXX XXXX. 

Now, they're saying we can't complete the loan without proof from the IRS that it was successfully extended. I responded, " XXXX wouldn't send me the email confirmation if they didn't get it approved from the IRS ... '' She then says I know, but we need IRS confirmation. That's XXXX. If I ask to see that in writing I guarantee you it wouldn't be there. They just don't want me to have the loan. I only want to pay off a {$3000.00} revolving credit card with 35 % interest. My car is worth {$6000.00}. I only {$3000.00}. They're stopping me for a file extension. Same scenario but caucasian they're not putting me through all the hoops. 

When an XXXX says they have to be XXXX better to do average, this is what they mean. We have to jump through more hoops.
Product: Debt collection

My hospital bill that I have consistently been making monthly payments on since its origin, was turned over to a collection agency " Professional Account Services Inc. on XXXX/XXXX/XXXX. I sent the collection agency a CEASE & DESIST letter on XXXX/XXXX/XXXX explaining that I was settling the debt directly with the hospital and not to make any further communication to me regarding this account. They recently sent me a letter on XXXX/XXXX/XXXX explaining that they have been trying to unsuccessfully contact me by phone & advised me to pay them the debt by phone with a credit card. They sent me another letter two days later on XXXX/XXXX/XXXX threatening to place negative marks on my credit report unless I contact them to resolve this account.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, the Credit Agencies were reporting these 3 accounts incorrectly : 1. XXXX XXXX XXXX with an open past due balance of {$1200.00} reporting. 2XXXX XXXX XXXX XXXX with an open past due balance of {$960.00} reporting. 3. XXXX XXXX XXXX with an open past due balance of {$740.00} reporting. I mailed a letter off to each of them on XX/XX/2024 stating pretty much what I stated here. These are collection accounts that are reporting not only as OPEN, but also shows past due balances. 

According to the FCRA, I have the right to an accurate credit report. I sent in letters and the problem wasn't resolved.
Product: Debt collection

XXXX XXXX XXXX XXXX ( aka : XXXX XXXX XXXX ) filed a lawsuit on XX/XX/XXXX against me after the Statute of Limitations has expired for an unproven judgment entered on XX/XX/XXXX through the law firm Rubin & Rothman , LLC. The amount listed of on XX/XX/XXXX judgment was for {$4800.00} of which {$6000.00} was due plus interest from XX/XX/XXXX. On XX/XX/XXXX Rubin & Rothman , LLC froze my retirement account for {$12000.00}. I filed for a show cause with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and was grant a hearing on XX/XX/XXXX, which I attended without a lawyer because I could not afford one. Yet I was looking forward to the opportunity for my voice to be heard. But the Honorable Judge XXXX XXXX XXXX only had me to fill out a return envelope for his judgment. As a XXXX XXXX XXXX senior citizen, I strongly believe that my civil rights, and well as the written law that states that in the State of the New York that the Statute of Limitation of debt is three years, have been violated.