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

XXXX you are in violation of the Fair Credit Reporting Act : This fraudulent student loan was serviced by XXXX and placed in default by XXXX. The real U.S.Department of Education General Counsler said on a call they are required to review all XXXX XXXX XXXX federal student loan. The results U.S. Department of Education General Counselor are placed in the XXXX XXXX XXXX XXXX XXXX as Defaulted, Unresolved., XX/XX/XXXX and the federal loan was terminated on XX/XX/XXXX for the same reason. XXXX if yu have any problems with your fraudulent federal consolidation loan call the real U.S. Department of Education General Couselor that was assigned to review all of XXXX XXXX XXXX federal student loans for liability purposes. The U.S. Depatment of Education rejected the federal consolidation XX/XX/XXXX. The fraudent loan had Issues like their is not a copy of a orginal promissory note attach with the E-Sign Contract for verification, their is no address of mine the po box does not exists. A school code was used for consolidation from the University XXXX XXXX XXXX. The University XXXX XXXX XXXX is not a Bank and does not have my history from my lender XXXX XXXX Bank and neither did XXXX XXXX who did not keep in track with my payments. All my federal students were made by XXXX XXXX Bank in which I paid in full before XXXX XXXX fraudulently consolidate the note without a federal lender education code. XXXX stole my identiy and placed over {$80000.00} due on my credit reports to steal money from the U.S. Department of Education to collect serviceing fees and bonus. XXXX you sent me a billing statement requesting {$800.00} due XXXX XXXX XXXX in which I am not going to pay a XXXX. XXXX you have damaged my credit reports and score for greed. XXXX send me a receipt that lender with an education code paid my lender XXXX XXXX for a federal consoldation. XXXX you have prevented me to obtain a mortgage. XXXX send me the lender name who received the money for the consolidation. Enclose the enevolpe of the servicer of the loan XX/XX/XXXXin XXXX an the real U.D Department of Education
Product: Student loan

I never borrowed any money from a company named NAVIENT. They seemed to have bought my loans from another company that I signed contracts with called XXXX. 
I read something about them needing to send some kind of letter in the last 3 years and neither me or my co-signer ever received any such kind of things.
Product: Student loan

At Mohela, I have been erroneously put on the SAVE-ALT plan, which is only applicable if you fail to recertify your IDR plan. Income driven repayment plan recertifications have been halted as of XX/XX/year> per directive of the Department of Education. Recertifications of IDR plans have not resumed to date. Furthermore, I never received my legal 90 day notice to recertify my income, and therefore it is impossible for me to have been placed on this plan.
Product: Credit card or prepaid card

I have received a bill from Citi bank regarding Citi Aadvantage card in the amount of {$290.00}. The bill was for the billing period of XX/XX/20-XX/XX/20. I have send a check using my XXXX  XXXX XXXX account and paid the bill on time. The money was taken of from my XXXX XXXX XXXX account, but Citi bank keeps sending me bills and saying that I didnt pay them the bill. They keep adding late fees. I have contacted my bank as well as Citi bank and Citi bank has informed me that they do not know where the payment went, they cant locate it. I have sent multiple letters to Citi bank showing that I have paid the bill and money was taken from my account but Citi bank just keeps sending me bills for that same amount of {$290.00} and keeps adding late fees. I do not know what to do anymore please help me resolve this problem. I have attached some of the documents from my correspondence with a bank. I can provide more since its been going on for 5 months now. I am very tired of sending them proof and would like the issue resolved as soon as possible.
Product: Checking or savings account

Bank accounts were restricted on XX/XX/year>. I was told there is no limit to how long they will be frozen for. I have disputed charges from XXXX that were due to identity fraud and I have attached a police report for this. I had my phone and wallet stolen on XXXX and had some unfamiliar charges in my account that were disputed this month. Ally helps me by restricting my access to the accounts and funds within the account. I am unable to see or get updates on the dispute status. They are unable to tell me how long the accounts will be restricted for.
Product: Debt collection

XXXX XXXX XXXX is the attorney representing Capital One, who has sued XXXX XXXX over debt collection. The suit was filed in XX/XX/XXXX. XXXX was not aware that the suit had escalated to the point of a bank levy, which was withdrawn from XXXX bank account out in XX/XX/XXXX without prior notification. The levy included the amount owed, interest, attorney fees, and court fees. The total amount being sued is almost double the amount owed. 

Since the withdrawal of the levy in XXXX, XXXX has been attempting to contact XXXX with the assistance of his daughter, XXXX XXXX, in the hopes of resolving the case. 

XXXX can not be reached directly through the number provided. Representatives of his firm answers the phone and the representative explicitly states that they can not provide a number to which he can directly be reached. Representative does not state what position they hold in the firm. When XXXX requested to speak to an attorney directly or for direct phone number, representative stated they can not put in such request giving the reason that the attorneys are either very busy or are out of the office on business. Since XXXX was not initially aware of what the case was about or even how the levied came about, request for more case information and documents was denied by representative. The representative told XXXX the only way to access court documents was to request it from directly from the court. When XXXX asked for any options for the levy to be returned to the bank account, representative denied any other option other than paying them in full for the sued amount. Representative did not make it known that a claim of exemption was available. Recordings of phone conversations with representatives are recorded by the firm. 

XXXX was able to get court documents directly from the court. After examining the documents, it can be noted that the proof of debt did not include list of transactions that was not paid. The proof consisted of a bill that already had the accumulated amount with past due dates. After doing some research, XXXX found that a claim of exemption may be filed for a return of the levy and was filed shortly thereafter. 

On the day of the hearing to determine the claim of exemption, XXXX was not present. After the judge heard each side, judge approved for a partial return of the levy. Judge stated that other potential resolution in regards to the case could be made by communicating to the other party outside the courtroom. After greeting the other party outside, the other party stated she was a representing lawyer that the firm occasionally hired. The representing lawyer also stated since she is not the attorney assigned to the case, she could not answer any questions that XXXX XXXX had. After leaving the courthouse, XXXX made a call to the firm to see how else to resolve the case. The representative stated since they have not received any information from the court, they could not answer any questions. When requesting to have firm call XXXX back once they receive court information, they rejected request stating that the firm is too busy to make any call backs.
Product: Debt collection

Am current on all medical provider bills, hospital bills, ER visits. Out of the blue ( XX/XX/2019 ) started receiving daily or more frequently automated phone calls with generic voice recording stating that I owe an unspecified amount of money. 1 hard copy letter came in mail, from HRRG ( Healthcare Revenue Recovery Group ) stating I owe {$210.00}, but provided no substantiation for this. Phoned my healthcare and insurance billing ( for both offices visits and hospital services 2 different billing offices ). My accounts show no outstanding amounts for anything, including emergency medicine. The amount HRRG is claiming is owed is fairly close to an amount ( grouped into a long list of other charges ) that was paid ( co-pay ) 6 months ago. Also, none of my providers, billing offices, or insurance can locate this so-called delinquent amount. I was, in fact, told to ignore it. I believe, given their poor reputation and high number of complaints ( e.g, bogus, scam ) that HRRG ( Healthcare Revenue Recovery Group ) is knowingly trying to scam money from me. They leave automated messages daily, from many different numbers. ( Ive  blocked quite a few numbers at this point. ) I believe they are spoofing phone numbers.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion all violated my consumer rights to privacy under 15 U.S. Code 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.

( b ) Opt out.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Formal Complaint Regarding Loan Eligibility and Lack of Disclosure Dear CFPB, I am writing to file a formal complaint regarding my loan eligibility with XXXX as well as the lack of proper disclosure during a payment modification process. Below is a step-by-step explanation of the situation and the issues I encountered : - Request for Payment Modification : As a result of hardship during hte COVID-19 pandemic, I requested a modification to my loan payments from LoanBuilder, as many others were doing at the time. I did not receive any written or verbal communication that would indicate this request could affect my eligibility for future loans. There were no terms or disclosures provided regarding the potential impact on future borrowing capabilities. 

- Approval and Adjustment : My request for a reduced payment plan was approved right away and yet, at no point was I informed, either verbally or in writing, that this modification could limit my access to future loans with XXXX. I continued to make the required payments under the modified terms without understanding that future funding could be impacted. 

- Full Loan Repayment : I repaid my loan in full and on time, believing that this action would leave me in good standing with XXXX and maintain my ability to access future credit. 

- Ineligibility for Future Loans : When I attempted to obtain future loans through XXXX, I was informed that I was no longer eligible for funding due to the payment modification. This came as a complete surprise to me, as no verbal or written communication ever disclosed that modifying the payment terms would affect my eligibility for future loans. 

- Request for Review : I requested a review of my case, hoping for clarification and reconsideration of my eligibility. However, despite my request, the review was denied. Additionally, XXXX has failed to provide any written or verbal proof of the terms or consequences regarding future loan ineligibility at the time the payment modification was granted. This lack of transparency has left me with no clear understanding of why my eligibility was affected, other than how the representative said on the recorded line that " they were doing the best they could back then. '' - Formal Complaint : Given the lack of proper communication and transparency, I am now seeking your assistance in resolving this issue. XXXX failure to disclose the potential impact of payment modifications on future loan eligibility is unfair, especially since I was never made aware of such terms at the time. I respectfully request that your department intervene and assist in ensuring that I am treated fairly and that my eligibility for future loans with XXXX is properly reconsidered. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

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

Debt included in or discharged through Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXXXXXX XXXX  : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXXXXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or XXXX through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX  Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE. Can you delete this ASAP and send me and update.
Product: Debt collection

I mailed Exeter Finance a letter requesting full accounting on XX/XX/year>. They provided the contract with a letter stating that they provided the contract on XX/XX/year>. It stated that was proof of debt but I explicitly stated that a contract and payment history is not proof of debt per UCC and precedent case law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPON THE SETTLEMENT AGREEMENT. CREDIT ACCEPTANCE WAS TO REMOVE THE ACCOUNT FROM THE ALL THREE CREDIT BUREAU. IT IS AFFECTING US IN A NEGATIVE WAY AND IT IS HURTING US. THEY ARE NOT KEEPING THIER END OF THE AGREEMENT. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD HAVE BEEN REMOVED FROM MY CREDIT. THIS IS PREVENTING ME FROM MAKING ANY FUTURE PURCHASES OF ANY KIND AND AFFECTING MY CREDIT SCORE XXXX XXXX XXXX XXXX ACCT # XXXX
Product: Student loan

I had XXXX for my previous loan servicer and was transferred to UNISA. It has been nothing but trouble with UNISA. My first month, they had the due date wrong. Ok, made my first payment with them with the corrected due date. I had paid XXXX XXXX onXX/XX/XXXX these are supposed to be quarterly payments, mind you. I get a bill from UNISA for the same amount with the due date ofXX/XX/XXXX I called them, they said it was a mistake and it 's actuallyXX/XX/XXXX. Great, problem solved, so they processed my check on XX/XX/XXXX. I get a bill today ( XX/XX/XXXX ) with the amount of XXXX due on XX/XX/XXXX 
My concern is 1. This is n't quarterly payments. 2. This is my second call with them. 3. How am I supposed to gather this money within two and half weeks so I do n't have an issue with my credit score? There is not much notice to me, never-mind the billing date being wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander requested that I provide documentation of inaccuracies and requested proof while stating that they were not going to change information. I believe that they have retaliated against me as I have made a complaint concerning inaccuracies in my account. They have asked for information that they had in their system ( as to payments pushed back to the end of the loan ) and have submitted 30 and 60 days delinquent payment. This company has been manipulating data for the past two months to try to make their reporting better when the documentation that I am providing speaks for itself. I have their payments transaction confirmations and signed extension forms. They have not addressed the team members that have not been professional and they have condone the harmful behavior that has an impact on families. I would like a real resolution and not something that has been pushed under the rug. Like correct the mistake that your team has made.
Product: Checking or savings account

I was trying to contact Chime, as I bank with them, and needed some documents. So I XXXX 'chime support ' and called the first number that popped up. 

The number I called was XXXX, they answered XXXXChime support ', how can I help you. I explained what I was calling for, and they said, in order for us to help you, we need to verify your information. So I said sure no problem. Then they had me tell them my information, such as social, phone address, etc. Then they had me download a sharing app, and they said I had to do this for verification, so I kept proceeding. I downloaded the sharing app, and gave them the numbers, then they were able to see my phone. I seriously thought I was talking to Chime the whole time. Then they also had me 'transfer my funds to an e-mail. They kept saying i had to do this for verification. and they would send it back, as they have IT on the other line as well. They were very smooth, and just took my money and did not send it back. I was duped, and didn't know, 'till it was too late! They took all my money! 


So then, I went through the Chime app, and tried to dispute it, I explained through e-mails and phone calls to the bank, explaining what had happened. They keep denying my dispute and will not give me my money back. I have disputed it 4 times with Chime, or XXXX XXXX XXXX, and they keep denying me. 

I'm the victim here, I really thought I was talking to Chime, and was scammed, and now Chime won't help me with getting my money back! 

They are just as bad as the XXXX  who stole from me! 

The scam phone number was XXXX, the e-mail they had me transfer the money to is XXXX. 

I just want my money back that the XXXX stole from me, and Chime should be obligated to give it back! 

I have never sent money to this person before, they scammed me. 

I have already reported it to the XXXX  and the FBI.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

I have spent months providing Select Portfolio Servicing with requested documentation pertaining to my deed of lieu we agreed upon. Today I have received a letter stating that my loan is to be restarted. They are requesting information I have already provided to them. Instead given me the answer to their decision regarding my deed of lieu. The process abruptly restarted all while I am communicating with them asking for more time to contact my daughter to get the new unexpected documentation. In the intervening period of time, I send the new requested documents on my behalf. This whole conversation has been recorded my both SPS and myself. 

XXXX XXXX, 2016, I received the first Mortgage Statement in a year, shortly I received another letter dated XXXX XXXX, 2016, stating " the mortgage servicer on the above- referenced account, received your inquiry regarding a possible mortgage workout plan. '' The whole statement above is a lie. I allowed Select Portfolio Servicing each time they requested to record our conversation so that I could put on my speaker phone on to record them as well. I have recorded our communication for the last year. I have dates, times, what was said according to our stated agreements XXXX XXXX, 2016, at XXXX I requested the status of my deed of lieu, I was told that my request was still being investigated for a ruling. 

Below are the dates and time I recorded my deed of lieu conversation recently with Select Portfolio Servicing. 
XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX )