23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Okay Eye just got off the phone with Great Lakes/Department of Education regarding student loans and XXXX admitted that no Man or Woman representing Great lakes/U.S. Department of Education were present in the event that the contract/partnership/agreement was made which would constitute a meeting of the minds regarding everyone who's involved in the partnership. She also admitted after being asked who's been making payments towards the account if the Man who attended XXXX XXXX XXXX has not made one payment toward such account yet the account is paid up in good standing? She admitted that there could be fraudulent activities as she can be heard looking into the records themselves. This constitutes from the representative of Great Lakes/U.S. Department of Education own mouth that there's not only fraud and that they are the borrowers of the credit which was extended to them but there's proof of failure to validate pursuant to 15 U.S.C. 1692g that the Man whom they've made claims owing a debt does not owe such debt and that Man is actually owed back the credits which Great Lakes/U.S. Department representatives borrowed. No truth in lending disclosures can be found in the promissory notes, contracts/ agreements or partnership nor were there any disclosure pursuant to 15 U.S.C 6802 to opt out of financial institutions not disclosing personal information to a non-affiliated third party. The XXXX XXXX best explained the justification for the mutually exclusive approach in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, where the court found that a company that acquire [ s ] [ performing ] debt [ and ] continues to service it is acting much like original creditor, whereas a company that acquires defaulted debt must have acquire [ d ] the debt for collection [ and ] is acting more like a debt collector. To justify this approach, some courts look to the exception in F.D.C.P.A 's definition of " creditor '' and find that any person who receives assignment of an account in default is doing so solely for the purpose of facilitating such debt for another. Even if the entity owns the4 debt and is thus the person to whom the debt is owed, these courts find that the exception takes them out of the definition of creditor because the debt was originally owed to another. See XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2008 ) ( finding that the definition of creditor excludes those who acquire and attempt collect a debt in default.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX ga,XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code Last 4 of SSN : RE : Account Number To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : [ XXXX ] [ XXXX ] Please delete any other references to names as they are not mine and I have never used any of them.

Address : Please be sure that my address is listed correctly. My address should read : [ XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] Employer : Phone Number ( XXXX  ) : Social Security Number : Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification.

Best Regards,
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXXXXXX My claim has been denied by bank because my online activities was normal. So I requested copies of log-in history and I've received letter ( Files attached ). 
But it shows only XX/XX/2022 thru XX/XX/2022. ( My fraud case happened on XX/XX/2022 ). 
So I requested another pages of log-in history for XX/XX/2022 thru XX/XX/2022 by phone ( twice on XX/XX/2022 and XX/XX/2022 ) and by letter ( XX/XX/2022 ). 
They answered they would send copies by phone, but they never did, they kept ignoring my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and XXXX   are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian Equifax nor Transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$7100.00} XXXX XXXXXXXX  # XXXX Amount {$230.00} XXXX XXXX XXXX  XXXX Account # XXXX Amount {$590.00} Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 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: Credit reporting or other personal consumer reports

The ethos of 15 USC 6802 ( b ) ( c ) stipulates that a financial institution, such as the furnisher of information to credit agencies, can not disclose nonpublic personal information to a nonaffiliated third party without informing the customer of their nondisclosure option. Yet, I was never enlightened of my right to exercise this option. 
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
Product: Student loan

I shouldve qualifier for public student loan forgiveness in XXXX of this year. However, on the MOHELA website, my payments are missing from XX/XX/XXXX to XX/XX/XXXX. I was not in forbearance. They show on the US student aid site. I made payments all throughout that time.
Product: Credit reporting

To Whom It May Concern : I reached out to Experian to dispute an item that appeared on my credit report. While Experian stated that it investigated the dispute, and has now resolved the dispute. I received no information on how the dispute was resolved or whether it is a reasonable way to resolve the dispute. The information contained on my credit report is inaccurate. There appears to be some third party debt collector to whom I 've never received any communication for a bill that was paid directly to the creditor. 

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

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$1500.00}
Product: Credit reporting or other personal consumer reports

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 violated my rights. I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate including XXXX inquiries on my XXXX credit report. 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. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I am XXXX years old trying to get gas service at my home in XXXX, Georgia. The gas company ( XXXX ) wants to access my Equifax credit report which is now frozen. I contacted Equifax to unfreeze on at least 6 times and I have been unable to unfreeze. They asked me to send letters which I did XXXX twice ) and filled out online request and finally received a letter from Equifax with a verification code and instructions to go online to their web site to complete the enrollment process, which I did, This site again referred me to call customer service XXXX which I did. They again asked me to send a letter, and when I demanded to speak with a supervisor they hung up on me ( twice ). This has been going for a month and Equifax is unwilling to unfreeze, and the gas company will not provide gas service until Equifax unfreezes. PLEASE HELP ME get this issue worked out. If you call my number and get an answering machine, please announce yourself and wait for me to pickup. Thank you. XXXX
Product: Debt collection

The company is harassing my wife, at least one family member, and myself to collect a {$7500.00} loan which is outside of the statute of limitations in California by a couple years. I explained this fact and that medical issues with my daughter had prevented me from paying as agreed upon with the original lender. Since it was outside of the statute date, I asked they please not contact me. They then proceeded to harass my wife and my cousin who is at another residence all on our cell phones. 

When I explained that this was inappropriate and asked that they please not contact us, the lady, XXXX, threatened that they'd continue to call and harass us.
Product: Credit card

THE ACCOUNT OPENED UNDER MY ACCOUNT WITHOUT MY KNOWLEDGE AND IT WAS OPENED FRAUDENTLY
Product: Checking or savings account

On XX/XX/XXXX I received a check from my grandmother in the amount of XXXX. I deposited it into my bank through the app. As usual, a hold was placed and the funds wouldn't be available until XX/XX/XXXX. On XX/XX/XXXX the account was closed. I only found out because I could not log in. I called customer service and the lady ( don't remember name ) told me it was a business decision to close it. So I go to the branch that I frequent and ask what is going on and spoke to XXXX XXXX XXXX. He was very kind and tried to get some answers Over the phone at his desk. the rep stated I wouldn't have access to funds and that the XXXX check did indeed cleared and basically there's nothing that I can do. The following day, XX/XX/XXXX, I called and spoke with XXXX ( representative ) who did tell me that the account would officially close XX/XX/XXXX. At that point a check would be mailed. She offered and made a request that I may draw out the funds for emergency reasons. She said I had 5 days to follow up on a response from the risk closure department. She also transferred me to XXXX, who could shed light on what happens with the dispute now that everything is closed. He also, put in a request to retrieve funds.Later today XX/XX/XXXX, I tried one last attempt at collecting the money from savings. I went to the branch in XXXX, MO and sat down with a lady who told me the funds were " frozen. She gave me a number to call and I spoke to a man named XXXX, part of the risk closure team. He was unempathetic, condescending and very adamant about not having to provide an answer other than the closure is a business decision and that my funds will not be available until the account closes XXXX. I tried to be civil but his off-putting customer care caused me to be more upset. He mostly repeated that ( in so many words ) I signed away my rights pretty much and it doesn't matter if it abusive, unethical or an unfair practice to do what they did. 
( side note ) on XXXX I called Bank of America customer service and spoke with XXXX to dispute XXXX transactions that in retrospect I felt could be fraudulent/ predatory. I was pressured to pay this amount as soon as possible or I'd be taken to court and sued. The agency called my mother and my job and left a file number and claimed they were affiliated with county courts.My Boss texted, then told me in what they said over the phone to them once I was at work. I called the number and I asked them repeatedly to identify themselves and the only name they gave was XXXX they were affiliated with lawyers and processing. I explained this to XXXX and she informed those transactions were now in dispute. I asked if the money would be reimbursed while investigation was pending and to my understanding it would be.However, if it wasn't right away I understood as this was a large transaction. Next thing I know 3 days later my account is closed and there isn't a thing I can do to retrieve the money that I desperately need.
Product: Credit reporting or other personal consumer reports

Institution : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dispute of Validity for Account ending in XXXX On XX/XX/year>, I sent a debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) to dispute the validity of a debt. In my letter, I requested the following information : - Name and address of the alleged creditor - Name on file of the alleged debtor - Alleged account number - Address on file for the alleged debtor - Amount of the alleged debt - Date the debt became payable - Date of original charge-off or delinquency - Whether the debt was assigned or purchased - Amount paid if the debt was purchased - A signed agreement proving my obligation to pay the creditor - Debt Collectors Response On XX/XX/year>, I received a response from the debt collector, XXXX XXXX XXXX XXXX XXXX XXXX but it only included statements of charges. The response did not include the requested validation details proving I owe the debt. 

Follow-up Request and Lack of Response I sent a second letter requesting the missing information, including : A signed agreement proving my obligation to pay - The alleged account number- The date the debt became payable - Whether the debt was assigned or purchased - The amount paid if purchased- The original and current terms & conditions- The name and address of the original creditor - Despite this follow-up request, I received no response. 

The debt collector has failed to provide proper validation within 30 days, violating my rights under the FDCPA. Since they have not verified the debt, I am requesting that this debt be removed from my credit file immediately, and a copy of the deletion request be sent to me. 

Letters were received within XXXX business days ( were sent with registered mail and received by XXXX )
Product: Mortgage

I started the process to have the PMI removed from my mortgage payment over 45 days ago and every time I call to follow up I am given the run around. I have been put on hold for too long numerous times or told someone will call to update me and nobody ever calls. The process has taken longer than what they stated meanwhile they keep charging me PMI when it should have been removed by now. This is completely unacceptable. I have asked to speak to the person handling my request and was told I could not reach them directly and they are never able to connect me. Seems like a scam to delay the process so they can keep charging. I would like to be contacted by someone who can make a final decision ASAP.
Product: Student loan

I applied for a lower repayment plan, the SAVE plan, that just came out. I applied on XX/XX/XXXX and have had no response. I sent a secure message to them on XXXX and had no response. I resubmitted a second application for the SAVE plan on XX/XX/XXXX, and still heard nothing. I then called on XX/XX/XXXX, waited on hold for 86 minutes to speak with someone, only to be told my application was processing and nothing could be done. I am supposed to have a $ XXXX monthly payment amount applied to my account, as well as prevent interest from ballooning under this new plan, but Mohela has failed to apply this to my account and continues to allow interest to balloon to defraud me. I submitted 2 compliants to this company that went unanswered. I want the plan I applied for on my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX Balance : {$0.00XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Incident Description : I am writing regarding an account with the name " XXXX '' and account number ending in XXXX. This account is listed as a charge card with a {$300.00} credit limit. According to the records, the account was opened on XX/XX/XXXX, and has a balance of {$340.00}, with the status updated as of XX/XX/XXXX. The account is marked as charged off, with {$340.00} written off and past due as of XX/XX/XXXX. 

Concerns : Upon reviewing the details of the account, I noticed what I believe to be inaccuracies in the reporting. Specifically : The reported balance of {$340.00} exceeds the original credit limit of {$300.00}, and I would like clarification on how this discrepancy occurred. 
There appears to be no record of any recent payments or adjustments made to this account. 
The payment history contains discrepancies or lacks detail, particularly with " ND '' ( XXXX XXXX ) in XX/XX/XXXX and a lack of terms provided for the account. 
Actions Taken : I have not been informed of any efforts by the company to address the outstanding balance or reach out for resolution since the account was marked as charged off. Additionally, there are no details provided regarding attempts to collect or settle the balance. 

Resolution Requested : I would like the company to : Review and verify the accuracy of the reported balance and payment history. 
Provide clarification or evidence supporting the charges and current balance. 
Update the credit reporting to reflect any corrections or provide a detailed explanation if the information is accurate. 
I appreciate your prompt attention to this matter. If further information is needed, I am available to provide additional details to help resolve this issue.
Product: Money transfer, virtual currency, or money service

I was pursuing the purchase of a brand new XXXX XXXXXXXX XXXX XXXX sport. I was told to wire the money from my State Employees Credit Union of North Carolina to XXXX XXXX XXXX in Maryland. This occurred and I was supposed to receive my XXXX on Monday XXXX the XXXX. Unfortunately, it's not arrived and all means of contact have been eliminated. Thus it's an obvious cade of fraud. Unfortunately I'm out almost {$10000.00} I'm trying to recover my money but no one seems to want to offer support. I've reported it to both banks, sought help with both banks and I've gotten nowhere. I've also contacted the XXXX XXXX Sheriffs Office and filed a policy report, but again I'm no closer to getting my money back. I'm seeking support.
Product: Mortgage

I have a home line of equity loan from Bank of America for approximately {$130000.00}. It is coming to a balloon status in XXXX 2016. I have proactively tried to request an extension and had taken over 5 months to complete the application and trial payments. They have sent the new document to sign with the new terms in regards to the extended time of 180 months and the new payment will have to include interest and principal. The concern that i have is that the new agreement does not mention the interest rate for the new agreement and it does not indicate in plain language that the rate term will continue as the original agreement of adjustable rate that is prime minus 1 %. I have spoken to several relationship manager and they all have verbally explained that the rate will continue as the original agreement but they cant send anything in writing. I asked if they can email or I can email them with this information and they declined. All their calls are however recorded but i am not allowed to record any of their conversation. How can i feel assured with the new agreement that they are asking me to sign will in fact have the rate of the original document. My original loan document was with Lasalle bank which was acquired by Bank of America. I have always paid on time and am current on my loan. I hoped that i would have received the fixed rate on the extension but they said that the term can not be changed.I would have to apply for another loan. My home is underwater at this time.