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

1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communica- tion with a consumer in connection with the collection of any debt, a debt collector shall, un- less the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written no- tice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any por- tion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty- day period that the debt, or any portion there- of, is disputed, the debt collector will obtain verification of the debt or a copy of a judg- ment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Student loan

The balance of my federal Perkins loan is supposed to be cancelled for service as a full time XXXX XXXX. The company continues to Bill me for payment even though I 've sent paperwork more than once. Additionally, they do not answer email, phone, or mail. I 've tried numerous times. I 'm afraid it will affect my credit because of their negligence to respond. The company is www.acs-education.com.
Product: Credit card or prepaid card

I went to Homedepot in XXXX MA XXXX purchase some granite Countertops for my Kitchen. I was offered to finance the granite countertops at a promotion of 24 month interest free, the granite was purchased with a Home depot credit card provided by Citibank I was never given any paperwork since the transaction went through as a regular creditcard transaction and they asked me to sign the key pad and the lady at Home depot didnt read any terms of the transaction. I accepted the promotion but was not told that after the 24 months promtion ended I would have to pay the interest generated during the 24 month promotion period. 
the bank didn't fullfill their promotion and only gave me six months interest free. I called the bank and asked why did they changed from 24 months interest free to six months. the bank said it was a mistake and said they would fulfill the promotion to 18 months. I explained to the bank that they had offered me 24 months interest free at Homedepot. they said that they could only do 18 month and they never mentioned anythying about the interest it would generate at the end of the Promotion. In XXXX of 2023 I noticed there was $ XXXX of interest to the balance. I called the bank and tried to reason with them about the interest added. their response was that the promotion was over and that the interest was generated througth the 18 months. i explained that they offered me 24 month interest free at the store. and that the interest was never mentioned to me. the bank said that they could not extend the promotion because they had already extended from XXXX months to 18 months interest free. Citibank did not honor the promotion. i offere to keep paying the balance which was aproximately $ XXXX if they removed the {$1100.00} added to my balance I have always made payment and have always made payments exceeding the minimun that citibank would require monthly.I decided to cancel the credit card and have stopped making payments until they remove the interest that they added. my promotion has not reached the 24 month interest free that was offered to me and I was never told that the account would generate interest throughout the promion period, why did the offer me 24 months interest free if the account generates interest and that interest is added to the account. that is mileading. at the moment I am barely making ends meet and connot afford that extra {$1100.00} in interest. i can keep paying the original ballance if they remove the {$1100.00} interest plus the fees that the acount has generated up to present day. 

please help
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I am distressed by the discovery of a XXXX  payment notation, despite not having any XXXX  payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing 30 DAYS only One Bureau ( XXXX XXXX ) has taken action into removing these ACCOUNTS my dispute results and documents are attached to this complain as well as my FTC REPORT! The other two bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other two bureaus to do the same makes no sense for them to still be reflecting on two bureaus while being DELETED from one. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation according to the FCRA! This is now ground for removal. 

ACCOUNT NAME - XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME - XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME - XXXX XXXX XXXX XXXX ACCOUNT # XXXX 15 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT NAME / ACCOUNT #. ) Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY!! 

I DEMAND EQUIFAX AND XXXX TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DIPUTES RESULTS RECEVIED BY XXXX!
Product: Student loan

The interest from my student loan keeps building adding more interest and they wo n't set up payment plan 's with me to pay it. They demand all the money up front because I did n't pay it immediately so now I 'm in collection with the debt company and they keep harassing my phone sending me mail notices demanding payment but refuse to allow me to pay payments at my convenience when I have the funding. The customer service is aggressive, intimidating and unprofessional. I want them to clear off half of my loan and allow payments to be set up appropriately until paid in full. The amount the loan started from is what I want to pay and nothing extra.
Product: Student loan

Navient issued to letters dated XX/XX/XXXX, received today, XX/XX/XXXX with incorrect, conflicting information. 

A final payment of {$19000.00} was made on the student loan on XX/XX/XXXX. Navient cashed that check on XX/XX/XXXX. 

Navients first letter dated XX/XX/XXXX, states they received a payment of {$15000.00} and allege there is a balance due of {$93.00} which they claim is due in ten days. This is a HUGE discrepancy. 

Navients second letter dated XX/XX/XXXX, states they received a payment of {$15000.00} and allege there is a balance due of {$110.00} which they claim is due by XX/XX/XXXX. This same letter, at the top, says nothing is due on XX/XX/XXXX. The second letter, dated the same day, received the same day differs greatly from the first letter. Navient exudes incompetence. This is a HUGE discrepancy. 

Please refer to the attached and note all of the discrepancies. Most of the discrepancies are highlighted in the attachment. 

1. Payment amounts in both letters are incorrect 2. Amount due in both letters is incorrect 3. The due dates in both letters are incorrect. 
4. The application of the payment was misapplied. 
5. Navient still has not even attempted to correct any of their previous errors and they continue to compound the issue with additional errors. 

It should be noted that numerous letters have been written to Navient at XXXX XXXX XXXX, XXXX, PA XXXX and Navient has failed to respond. 

Navient is a horrible company and should be held accountable for their numerous errors. 

There have been numerous and ongoing issues with Navient that demonstrate a pattern of behavior and the escalation. While this new issue is separate and distinct from the others, it further demonstrates the escalation of abuse and Navient 's failure to correct their errors and improve their business practices.
Product: Credit reporting or other personal consumer reports

My bankruptcy concluded in XXXX. Every other credit bureau updated my report accordingly. However, Equifax has not and continues to report me as having severe delinquency and an ongoing bankruptcy. When I attempted to log into my account, I get an error code from Equifax saying XXXX and when I click okay it does not have any of my personal info in the portal. It looks as if their database corrupted it or something. Regardless, I tried to call the customer support line and give them this error code, but they require you to authenticate prior to getting through to someone I had to enter an old address in order to authenticate but whenever I got through to them, they requested the information again and was not able to give me any help on the XXXX error. So now I have no way of correcting the error and have not been called or emailed by tech support like their agent said would happen. This is harming my ability to restore my credit score to where it needs to be.
Product: Debt collection

My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX stipulate just that, and they have started to process of removing the XXXX collection from my credit report. A second company called JH Portfolio Debt Equities stipulates that they purchased the debt from XXXX at the same time. They like XXXX can not enforce a debt that is considered non-collectible. So, if the debt is simply too old to collect, and the fact that JH Portfolio Debt Equities can not collect, they sent the collection to a new collection agency called XXXX. This is the third collection agency that simply has no recourse to collect on an antiquated debt. XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report from any collection agency. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports by the original creditor, XXXX These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.
Product: Checking or savings account

Reported fraud cause a family member fraudulently opened account with Wells Fargo and I immediately called and a lady named XXXX opened a new one to get my income tax money back and the account was accessed again after reporting fraud and updating address and contact information she changed to hers again went into a branch was told they are closing the account and sending my money to the fraudster cause that is the address on file some justice has got to be done I have driven 5 hours back and forth several times trying to get my money back I get told to go in a branch and leave empty handed please help me
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
Product: Debt collection

Focus Receivable Management placed a collection on my credit on the behalf of XXXX. I filed a CFPB report and the company ( Sequim ) asked me to contact them directly. I did not email them as I do not feel comfortable providing my social to a third party. The response from the company was to call XXXX XXXX. I have made multiple attempts to call Ms. XXXX and every time I call it goes to voice mail and her box is full. I have made a video recording of me calling and having to deal with not being able to leave a message. At this point, I feel the company just answered the way they did so I would pay something because they placed it on my credit without any mail or call. I am at lost on how to get this remedy at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX I Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : BANKRUPTCY XXXX XXXXXXXX Account Number : REF # XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I had account with coinbase.com that was registered in XXXX and last transaction i did in XX/XX/XXXX, in XXXX they send me email to terminate my account, after that i try to login many times but they do not allow me. Now my account is closed and i have balance in that account XXXX approximately. And they saying that i have to contact wyoming missing money etc. when i contact them at there i can not find any claim for me. But coinbase saying that ask wyoming. What can i do on this. Please you see the case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, TRANSUNION all Credit Reporting Agencies there is an age out account on my credit report ending in # XXXX. The account owner is XXXX XXXX. In XXXX the account was closed in good status and fell off my credit reports because statue of limitations. Here comes your client XXXX XXXX XXXX bringing back the same account in the name of XXXX XXXX with a new Reporting.Date of XX/XX/XXXX against the FCRA. 
I am sending you my billing statement with XXXX XXXX  with account ending in XXXX which use to appear on my credit report in XXXX but aged out. Remove the age out account XXXX from my credit report.
Product: Bank account or service

I never went in and signed any paperwork to start this account. Everything was done online. Once I realized that they had opened the account I ask them to close the account because my job did not offer direct deposit and they never did close it so the fees for not having direct deposit added up and now they are saying its my fault. I ask them to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website.

Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX  Balance : {$590.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

During XX/XX/XXXX, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/XXXX without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights, original creditor was XXXX XXXX XXXX XXXX 
I am not liable for this debt with XXXX XXXX XXXX Account # XXXX The Account was previously charged off. The Account originated on XX/XX/XXXX with XXXXXXXX XXXX The last payment in the amount of {$67.00} was received on XX/XX/XXXX. The Account charged off on XX/XX/XXXX with a balance of XXXX XXXXXXXX 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 a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Mortgage

We refinanced our house with a new lender. Our old lender, Alliant Credit Union, put our escrow account money ( {$2800.00} ) towards our loan payoff without getting our consent to do so. Therefore, our new lender paid Alliant, a balance that used the escrow money to get the mortgage balance lower. Based on the XXXX XXXX Timely escrow payments and treatment of escrow account balances, section ( b ) Refund of escrow balance, they are not allowed to do that and the money should have been refunded back to us directly. 

*The rep at Alliant Credit Union also let us know that they were in the process of changing their procedures of putting escrow money towards the mortgage balance, implying that their current process was not legal/had issues.