23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am participating in the 10-year public service loan forgiveness program. My servicer is XXXX XXXX. I believe XXXX XXXX incorrectly calculated my qualifying months of service, and shorted me by 6 months. I submitted a request for review on XX/XX/2018. I was verbally told by a customer service representative that the timeline for response was 60-90 days. I called in late XX/XX/2018, and was told my request for review had not been processed, and that I could call back in two months and a response would likely be available then. I called yesterday, and spoke with a rep named XXXX. He told me that not only was a response not available, he could not provide me with a timeline for receipt of a response. I asked if there were any ombudsman or advocates anywhere at any organization to help people in my situation. XXXX told me he was unaware of anyone to help me. I do not think it is reasonable that the time to respond to a dispute is unlimited/unknowable. This also means that I may end up making more payments than the necessary qualifying number of 120 for loan forgiveness, and also delay eventual  forgiveness of the loan. XXXX may have a valid reason for not crediting me for the 6 months that I believe qualify, but it is not reasonable to fail to respond to my request for an explanation for 8 months, and to not be able to provide me for a timeline for receipt of a response. Please note that I have moved and the address on the attached letter is no longer valid.
Product: Debt collection

This debt collector Rolfe and Lobello is in direct violation of my privacy right by contacting my employer XXXX XXXX which in turn shared my information with adp a payroll  company to garnish my wages for twenty - percent per pay period until debt is paid in full. I did not authorize my personal info to be shared by anyone which is a violation on XXXX  act. The balance is intentionally being reported with incorrect info from rolfe and labello as of this email my balance is XXXX they are reporting my balance at XXXX which is inaccurate. per these violations i am asking for garnishment to be dissolved and all money be returned asap
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach, reviewing my credit reports. I noticed some accounts I am unfamiliar with I have asked the XXXX for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter
Product: Debt collection

On XX/XX/ I received a letter dated XX/XX/ in response to my first debt validation letter. Attached to this complaint you will see, the response has failed to verify the information and debt. The letter also states it is going to report to all three ( 3 ) major credit bureaus to update the incorrect, invalidated debt. 
You are currently reporting debt to my credit report { {$170.00} } and as allowed under the Fair Debt Collection Practices Act, I am requesting that you validate the alleged debt. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX  to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my WET SIGNATURE with the provider of service to release my medical information to you CEASE ANY CREDIT BUREAU REPORTING UNTIL DEBT HAS BEEN VALIDATED BY ME. Please send this information to my mailing address listed above and accept this letter as my SECOND FORMAL DEBT VALIDATION REQUEST, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times via phone and online on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from or gave consent to. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : 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: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) A ), You are required by federal law to verify- through the physical verification of the original signed consumer contract- all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( An original consumer contract with my wet signature on it ) you Have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my Ability to obtain credit under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts to be verified or remove Immediately.
Product: Credit reporting or other personal consumer reports

Experian has violated my rights to a fair investigation of errors on my report. I have disputed the inaccuracy from my report specifically with XXXX XXXXXXXX reporting errors on 30 day late payments. Nothing has been done by Experian. They claim to have updated account but I learned they are innacurately updating the report. for example XX/XX/year> has a 30 day late payment. They updated it to good standing. But move the 30 day late payment to another month that was already in good standing. when I redispute it. They go back to updating the 30 day late payment to XX/XX/year> again. They been doing this for a whole year now. going back and forth putting the 30 day late payment wherever they please. Im tired broke and my family is suffering from paying super high car interest. I cant even refinance because of this carelessness from Experian reporting. I am filing a lawsuit because of the this. I am demanding all late payment updated to paid on time. No more playing games.
Product: Credit card or prepaid card

First Progress has closed my account without my permission they have kept my security deposit and refused to refund it to me they have not fully investigated claims they have treated me in a discriminatory manner they have not fully disclosed the terms and conditions.
Product: Checking or savings account

PayPal refuses to unblock my PayPal account and they won't let me withdrawal my money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not so much a complaint as it is a request for my personal information. I wish to Thank XXXX, a representative of Capital One I joined Capital One on XXXX and was given a {$300.00} credit limit. I make my payments in full. If I spend {$300.00} I pay back {$300.00} that month. In XXXX and XXXX I had received Alert 's that my Personal Information maybe on the XXXX XXXX. and each time significant Point 's were taken from my credit Score. I even filed complaint 's with the XXXX. With regards to XXXX. My complaint is greater than Capital One or the Credit agencies I have been getting emails.People asking me why I am sending XXXX picture 's. I have received from one man in XXXX a Statement on XXXX saying XXXX, has my information. I have telemarketers calling me repeatedly. I have filed with the do not call registry on one that has called me 5 time 's. XXXX and XXXX. On capital One it said my XXXX account and password.Did they get it or trying to get it? I have not been with XXXX in year 's I do not remember my password. I emailed XXXX and asked please remove any of my information. Someone calling themselves XXXX emailed me and asked me if XXXX took care of the problem? I replied who are you and how did you know I messaged XXXX? they never responded to me. I contacted the FBI with regards to XXXX. Capital One has already settled if I am not mistaken and they have admitted fault The only reason I know what I know was because the Alert 's that they provided on my account. I spoke with the Law Firm XXXX and XXXX, They seem less than enthused to Represent me on a settlement that has already been paid. I am asking with Respect was I one of the many Victim 's Hacked? Is my Information out there because of the Security Breach? I believe I am entitled to know based on everything that has happened to me sense I joined on XX/XX/2019 I do not believe it is fair for a Law firm or a attorney to decide if I am entitled to compensation based on my income or lack there of. For all I know there can be arrest warrant 's for me. Because someone remembered my DOB Social and Name. Am I one of the victim 's?.
Product: Credit reporting or other personal consumer reports

information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

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: Debt collection

I am gettin repeatedly harassing and abusive and threatening calls and voice messages by XXXX from Pedleton Capital. XXXX is also harassing and leaving abusive calls to my sister, who doesn't even reside with me. He is claiming they helped onto may asets ( I don't even have any ) and the ratting eagle action and jail. This can't go on and these people should be prosecuted for un-ethical behavior. Real collection agencies by law have to send a letter explaining the debt and not collect money over the phone. The phone is XXXX and they are applying harassing and threatening techniques.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somehow Experian signed me up ( without my consent ) for a recurring payment of {$24.00} to access my allegedly free credit report. I don't want to pay that, so I moved funds off of the card they have in file. The card isn't being processed. Experian now won't let me log into my account to access what should be a *free* report per terms of their previous settlement without paying them {$25.00}. I believe they designed this program intentionally to evade having to provide free access to credit reports and it's an effort to undermine their settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX, XXXX and Transunion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them.
Product: Debt collection

Hello, I have sent in a written request of debt validation by certified mail which was received by United Revenue Corp on XX/XX/19. In the letter I asked that signatures, a description of services rendered with dates/times, charges, and methods of validation be included for my review. However, I was not provided the appropriate documentation. I'm afraid that this creditor may have my personal information which may be a HIPAA violation. Please help resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I successfully received my XXXX credit report online, but was unable to access both my TransUnion and XXXX   credit reports. 

Instead I received a message stating 'an error occurred ' after following the online prompts for the two subsequent reports after downloading the XXXX  report. 

On attempting to regain access to the two reports I didn't receive, a message was displayed stating I had already received my free reports. This was a false statement as I did not receive either report from XXXX or TransUnion.
Product: Checking or savings account

On XX/XX/year>, my wifes cell phone was hacked and two fraudulent charges were posted to our checking account totaling {$1300.00}. These fraudulent charges were reported to the WF fraud Claims Assistance Center as soon as we detected them on or about XX/XX/XXXX. A {$150.00} charge was written off by WF with the funds restored to me but a charge of {$1200.00} was left open by WF while they " investigated '' it. 

A Network Engineer who works at a very high-level doing XXXX Testing for the State Department analyzed the phone hack for me and determined that the funds were transferred via XXXX XXXX to a recipient in XXXX XXXX XXXX . I passed this information on to WF 's fraud department but, again, I got no response on this. 

On XX/XX/year> I received a notification that my dispute over {$1200.00} that was sent via an unauthorized transfer was deemed closed by Wells Fargo in favor of the thief and WF charged the {$1200.00} back to me. 

In each of several telephone conversations with WF 's fraud department regarding this incident, I asked why we were not alerted by text or e-mail before WF honored this highly unusual transaction as promised by WF in their web site. I also asked ( at least 5 times ) for the documentation that WF said it had that justified honoring these thefts. I never got an answer to either question and I am still waiting for any documentation WF said it had regarding this theft.
Product: Credit card or prepaid card

I have had a credit card account with HSBC BankFor the last 2 yearsI paidAt least5 to 20 times more than the minimum payment every month. 2 months agoI tried to use the card after I made a payment of {$800.00} while my minimum payment was only $ XXXXI was denied the use of the card becauseHSBC decreased my credit limit {$800.00} a day after I made my paymentWhat 's causedMyCredit score to decreaseBecause I went fromFrom 50 % Available credit1 %, it show that I used 99 % of my credit and I pacifically made the {$800.00} payment to lower that so IIn the process ofRefinancing my home they did not give me any notice until two weeks later a letter stating that they reviewed my account and I had too many open accounts which I had that many accounts when I Received the card I only added one other credit card account with a XXXX balance and a mortgage.
Product: Debt collection

Portfolio Recovery Inc. calling my private cell phone in regards to an issue with a member of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitting a letter requesting that my personal information be corrected. Experian received my request on XX/XX/XXXX. On XX/XX/XXXX, I sent a follow up letter requesting correction to my personal information that Experian received on XX/XX/XXXX. Today, XX/XX/XXXX, I called and requested status of my dispute and also informed the agent that I had additional disputes that were not handled properly. I requested removal of hard inquiries that I did not authorize. In additional, I requested verification of false information reported on my credit. My concerns are not being addressed at all. Today I was passed to 3 agents and two of them transferred me to a Special Services Department and I was prompted to input my information numerous times and unfortunately I was not able to successfully speak with an agent. I was informed by the third agent that I had a special agent assigned to my account. My requests are valid and I don't understand why I am assigned to a special department. I was wondering if you would assist me prior to me taking legal action.
Product: Bank account or service

I got a job offer on XXXX for a administrative XXXX at XXXX XXXX XXXX XXXX XXXX The original email was from XXXX XXXX & lt ; XXXXXXXXXXXX & gt ;. Telling me to have an online interview with XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX the company Hiring Manager for tomorrow Tuesday XXXX your time via Via XXXX. Meeting with him I was told information about the company and asked a bunch of interview questions. At the end of the interview I was hired and asked to sign a Cover letter and send in my ID via email or fax by XXXX XXXX XXXX XXXX the HR Manger. 
Email : XXXXXXXXXXXX Fax : XXXX XXXX XXXX XXXX I was to meet with XXXX at XXXX. When I did he told me that I would need office supplies and would be sending me a check for {$3100.00} dollars. After the check had arrived I was to deposit it into my bank account ( US bank XXXX the account is frozen now ) and wait for the funds to be in my bank account. The next day he wanted me to withdrawal the money and deposit it into a vendor account XXXX XXXX XXXX XXXX ). He then told me that the money would not be enough to cover the amount for the office supplies and he was sending another check for {$4900.00}. By the time this check came, the other check had bounced ( which I did not know that was what happened my bank said " Returned Item From A Previous Deposit ''. I thought somehow they had pulled the money from my account not that the check was bad ) and he said that there was something wrong with the first check and he was sending a check to reimburse me. I subtracted the amount of the first check from the second check and only moved {$1800.00} dollars into XXXX XXXX assistants account XXXX XXXX XXXX XXXX ) because for some reason XXXX was having trouble with that account. The reimbursement check came and I deposited that XXXX and the next day withdraw the {$4800.00} dollars and deposited it into a new account ( XXXX XXXX XXXX XXXX ). He was going to send XXXX more check for a scanner for {$9700.00}. I when to the bank and deposited this check but when I got home I saw that the XXXX check had bounced as well. I when to my bank and had my bank account frozen. Now I have reported this to the XXXX Police Department ( report number XXXX ) and give them copies of all the documentation I have of this crime. In all the scam took me for {$9700.00} dollars about not counting fees. 
My bank should have been able to spot a fake check and refuse to let me deposit it into my bank. That failing my bank should never have allowed me to withdrawal money before the check had cleared the bank. Also the bank should not have allowed me to withdraw enough money to make my account negative, without so much as a warning. In the end my bank did nothing until I came into the bank and had them freeze my account.