23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctoring of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX BAL. {$16000.00}, XXXX XXXX BAL. {$16000.00}, XXXX XXXX XXXX BAL. {$630.00}, XXXX XXXX  {$510.00}, XXXX XXXX XXXX BAL. {$150.00}, XXXX XXXX XXXX BAL. {$750.00}, XXXX  Bal. {$720.00}
Product: Bank account or service

I signed up for  an HSBC Checking acc ount which offered a {$350.00} welcome bonus after completing requirements. I have no received the welcome bonus.
Product: Mortgage

My daughter died. I notified the mortgage company by telephone and email. I was required to notify the survivor in interest ( SII ) department. I have paid all back mortgage payments and sent a copy of the court order issued to me, i.e., " Order Appointing Administrator. '' I have sent more than three copies of the court order to three different offices. 
The mortgage company has not sent me any information concerning the status of the mortgage. I called and asked for a letter clarifying what is needed. I explained to the mortgage company that the recent letter I received from them was dated XX/XX/XXXX but was mailed on XX/XX/XXXX. I did not receive the letter until after XX/XX/XXXX. 

I called on XX/XX/XXXX to determine where to send the mortgage payment and to receive information concerning my status as the survivor in interest BUT the mortgage company would not give me any information. And, they would not explain their letter dated XX/XX/XXXX but mailed on XX/XX/XXXX.
Product: Debt collection

I, XXXX XXXX, am filing this complaint on my own behalf, not as a third party. I have no contractual agreement with Plaza Services , LLC and am not liable for any alleged debt they are attempting to collect. 

I have sent both a **cease and desist letter** and a **debt validation request** demanding proper documentation proving their authority to collect this alleged debt. Additionally, I have filed a formal complaint with theXX/XX/XXXXXX/XX/XXXX XXXX office to ensure this issue is documented. 

If Plaza Services , LLC fails to validate this alleged debt and attempts to report it to the credit reporting agencies, they will be in direct violation of 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which strictly prohibits furnishing information to credit reporting agencies that is inaccurate, incomplete, or unverifiable. 

Plaza Services , LLC 's actions may also constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect a debt **without proper validation**. If they attempt to continue to engage in deceptive collection practices, I will seek monetary compensation for statutory damages, actual damages, and legal fees. 

Attorney XXXX XXXX XXXX of XXXX XXXX XXXX is fully aware of this situation and is prepared to take legal action should Plaza Services , LLC fail to comply with federal laws. 

I demand an immediate investigation into Plaza Services , LLC and request that they cease all collection efforts and delete this unverified debt from my credit report unless they can fully validate it as required by law. 

Sincerely, XXXX XXXX
Product: Money transfers

I received an unsolicited call from an XXXX sounding man stating that my internet security company is now out of business and wants to refund the amount I paid. After much information was exchanged he requested that I allow him access to my computer to see what banking deposit info was needed to refund my money. After that he told me that he had input the wrong amount and he would lose his job if I did n't refund him back the extra amount he had deposited in my account. I went to the bank and had the deposit confirmed and withdrew the extra amount and sent it to him via MoneyGram which he gave me info for. He said send to country of XXXX to person named XXXX XXXX. After some second thoughts and checking with my bank I found that he had transferred money from XXXX of my other accounts into the one he said he was depositing my refund to. I also then checked and found my supporting internet company was not out of business and stated I was definitely scammed. Now I am searching for a way to reclaim my money and prosecute the perpetrator, and am working with local police, MoneyGram my bank and credit card companies of which he has also fraudulently obtained money. You can request any more information you may need by e-mailing me at : XXXXXXXXXXXX or calling my phone and/or leave message at XXXX Thank You
Product: Checking or savings account

For almost 10 years, I had a checkings and savings account with Bank of America. The minimum monthly balance requirement on the account was {$25.00}, and for years I maintained exactly that balance, never incurring an maintenance fee. Without notifying my, sometime in early 2018, BofA raised their minimum balance requirement to {$300.00}. All of a sudden, for 5 months in a row I was charged a {$5.00} maintenance fee without any idea why. I just spoke with them on the phone, and they told me that the maintenance amount never increased, which is simply and demonstrably false. I double checked my email as well ( I have paperless billing ) and never received notification of the increase.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  FINCL - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX  - XXXX - XX/XX/XXXX - {$730.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$430.00} XXXX - XXXX - XX/XX/XXXX - {$1500.00} INQUIRIES : XXXX XX/XX/XXXX XXXX  CRE XX/XX/XXXX XXXX  CRE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I have received threatening letters claiming that I dont have the right to keep what I purchased but I have been making on time payments every two weeks coming out of my bank account
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal Goldman Sachs Bank USA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Goldman Sachs Bank USA the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Goldman Sachs Bank USA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Goldman Sachs Bank USA never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Student loan

What happened : FSA received documented proof of an account error but has not fixed and continues to fraudulently withdraw student loan payments from my checking account post-PSLF completion. 

XX/XX/XXXX began employment with a qualified nonprofit, where I still work with no disruptions. 

XX/XX/XXXX through XX/XX/XXXX submitted the relevant PSLF forms for employment verification to FSA, in which I completed the 10 year requirement as of XX/XX/XXXX to have my student loan forgiven under the PSLF program. 

41 eligible payments that I made to my loan provider are missing under my FSA account loan history, where no payment records are showing between XX/XX/XXXX to XX/XX/XXXX. 

Loan provider history for your records : - XX/XX/XXXX per FSA Limited PSLF Waiver, loan consolidated from XXXX to XXXX - XX/XX/XXXX per FSA XXXX transferred from XXXX to XXXX What I've done to try to resolve the issue : Complaints requesting my account be accurately updated were submitted with proven payment history documentation on : - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; all show " still processing '' - FSA XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; case # XXXX
Product: Debt collection

I have never received anything about this debt nor do I owe this. I have disputed several times and received nothing back. Please help Radius Global Solution # XXXX
Product: Credit reporting or other personal consumer reports

According to 15 USC 6802- Obligations with respect to disclosures of personal information ( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this TITLE. 

NOTICE TO PRINCIPAL, NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL. 
Please be advise this is my THIRD WRITTEN request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 
All of these accounts have violated the laws listed above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All these Accounts have violated my rights According to FCRA. 

ALSO, ACCORDING TO THE GRAHAM-LEACH-BLILEY ACT : FINANCIAL INSTITUTIONS COVERED BY THE GRAHAM-LEACH-BLILEY ACT, MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT " IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. NONE OF THE ACCOUNTS LISTED ABOVE FOLLOWED THE REQUIREMENTS OF THE PRIVACY RULE!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following accounts whom I've never established any type of business with. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I also included multiple inquires on my identity theft report whom ive never gave permission to obtain a copy of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an issue of utmost importance concerning the unauthorized release of my student loan information by XXXX XXXX to third-party credit bureaus XXXX XXXX XXXX XXXX, and Equifax. This act not only constitutes a blatant violation of the Family Educational Rights and Privacy Act ( FERPA ) of 1974 but also a breach of Title 20 U.S.C. Section 1232g ( b ). I obtained a copy of my credit report which included entries reflecting student loan information that should have been protected under FERPA. XXXX XXXX, disclosed my personal student loan data to the aforementioned credit bureaus, which is a clear breach of my rights as a student under FERPA. This release of information has had a significantly negative impact on my creditworthiness and financial standing.

FERPA, enacted in 1974, protects the privacy of student education records, including financial aid records. Title 20 U.S.C. Section 1232g ( b ), known as the " Buckley Amendment, '' explicitly prohibits the disclosure of these records.
Product: Credit reporting

An account was deleted because it was inaccurate and not verified. It has been re-added without notifying me and without proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not make changes on my credit. My score has been the same for months, at least 40 points under XXXX. I have submitted a dispute for my XXXX  account. I made a total payment of {$970.00} in XXXX which paid my account up to date. No additional payments due untilXX/XX/2021. Equifax has my last payment as XX/XX/2021. They closed my original dispute and removed remarks from this creditor without a payment history update. I had to resubmit.
Product: Mortgage

In XX/XX/XXXX I had work done to my home through the XXXX. Instead of cash out of pocket, the work was paid via my property taxes. Due to the timing of the completion of work and when my taxes would be paid, my Escrow analysis would not reflect the shortage until it was completed XX/XX/XXXX. I put money aside and paid the shortage and told them about the ongoing payment method and they said they would do an analysis. When I got the new statement for the following month, I adjusted my auto debit accordingly. When I got all future statements, I simply filed them without reviewing them as the correct amount was being deducted from my bank account. It was not until the last week in XXXX, XXXX while discussing a pending refi ( with XXXX XXXX ) of my home that it was identified that my current Mortgager, Ditech had completed that Escrow analysis incorrectly and I apparently had another shortage going on of {$95.00} for the past 11 months. I immediately called Ditech and their customer service person was XXXX. All she would say is that she would order a new Escrow analysis. I asked for a point of contact, but was told that, that department ONLY communicated either via FAX or postal mail ... not via telephone or email ... in this age of technology??? I asked what I should do if I had any questions after this new analysis was completed and was told to call customer service ... Now, please explain the logic in that. She did not know how to help me other than to order a new analysis ( although she initially said to wait for my next analysis until I pushed the issue ) so I should call her back if I have questions about work completed in a department that is not accessible by Ditech 's customers??? Anyway, it has been longer than the amount of time she said it would take them to do this and I have yet to hear back from them. I did send a letter on XXXX/XXXX/XXXX to their corporate headquarters. The only result I received was a phone call from them saying, " I was told to call you because you have questions regarding a refi? '' I did n't put two and two together until after I told him I was in the process of doing my refi with another company because when I called them last month to see about it, the person I spoke to was very abrupt and unprofessional. I have NEVER been late or missed a payment in the 22 years I have lived in this house. I trusted that they were the specialists and that when they notified me of the increase in my monthly payment, it was all encompassing the new tax bill amount. I was extremely unhappy to have been treated the way I was and now I have to come up with nearly {$1200.00} because of their error. This is just not right!!! Sorry for this statement, but it seems the inmates are running the asylum.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  # XXXX and XXXX 15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A. SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTS CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATESYTHE REPORT BY MORE THAN 7 YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THE INFORMATION IS INACCURATE
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Payday loan, title loan, or personal loan

I try to pay off amount, they give me XXXX but now I pay too much, the lady she's lies to me, the app to title Max didn't show what day I need to pay every month, they're change every months the payment day, when I open the app didn't show anything the day, later when I open the app, my payment is past due, they still my money brazenly, They increase my final payment every month by more than XXXX dollars, when finally I already owe XXXX or XXXX, every month I owe more, please u need stop this, it is a shameless steal and nobody does anything, they never lower my account, They hide the day of the payment date, when I finally open the title max XXXX, it turns out that my payment is overdue and once again my account is high I pay again today and they don't show the payment for next month, they hide and just they show XXXX and nothing for XXXX, is too much money they steal Please stop this I think is for all customers like me
Product: Student loan

Aidvantage notified my doctoral program at XXXX University that I had received too much financial aid in my XXXX XXXX XXXX ( 11 years ago ) and that I needed to complete a reaffirmation agreement. This was completed on XX/XX/22 and submitted to Aidvantage electronically on XX/XX/22, again on XX/XX/22, and XX/XX/22. On XX/XX/22, Aidvantage told XXXX University that this had to be submitted in my portal in order to receive a confirmation letter. I submitted this on XX/XX/22, and was told in a written document that it would be responded to in 5 business days. I have not received a response from them even though I have sent another email to them on XX/XX/22. I now need to delay my start date for spring term because I can not get additional financial aid until XXXX University receives the confirmation letter from Aidvantage on my reaffirmation agreement. I need assistance in receiving this confirmation letter so I can receive additional financial aid and register for classes.
Product: Debt collection

This isnt right I keep disputing this on my credit report when I called into the company they were very rude and Credit companies Keep putting this bill back on my credit report that I do not owe.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX.
Product: Mortgage

They took my {$1000.00} and told me that they were going to make sure that I was at the end of the road, hence stating that they make sure my house goes to foreclosure. Also, they refused to refund my money in a timely matter.