23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Monday XX/XX/XXXX I applied for an vechicle XXXX XXXX XXXX in which i was approved But after email and phone conversation I am filing a complaint regarding my experience when trying to finance a vehicle with DriveTime I was approved online and upon speaking with XXXX from the XXXX Fl location he proceeded to tell me that a downpayment was required, compelling me to give him my social security number/card, and asking to verify my income. I expressed to him how that is a violation of 15 USC 1605 and that down payments aren't required when financing a vehicle. Compelling me to give my social security number is also a violation of 42 USC 408 ( 8 ) and in fact is a felony. Also the definition of Income according to 26 CFR 643 refers to stocks, bonds, trusts, and estates. As a consumer when obtaining goods for personal, family, and household purposes I can, t be denied credit and completed that application in good faith. There are multiple consumer violations and even though I have already been approved I haven't heard back from him which now I am being discriminated against. I have not had a pleasant experience and will seek legal action if this matter can't be resolved.
Product: Student loan

Over the course of XX/XX/XXXX through XXXX of XXXX, I began to make significant payments on my 12 student loans through Fedloan. I paid off all twelve using the " request final payoff '' option over this time period. I received PAID IN FULL notifications for each of them. I made my last pay off payment in XXXX of XXXX. My account reflected a balance of {$0.00} for all 12 of my loans, and again, I had received PAID IN FULL pdf documents for each of them. I monitored this for about a month afterwards through XXXX of XXXX. 

Earlier this month, XX/XX/XXXX, I logged into my Fedloan account to get my tax information for the previous year. I was shocked to see a sudden total balance of {$250.00} XXXX principal and interest ) for 8 of the 12 original loans. 

I called Fedloan the next morning and after much arguing, the representative realized she could see the PAID IN FULL statements sent out on behalf of Fedloan in my account/document history, and she deferred it to lead review number 463. I called back the next week to see if there were any updates and the review team had closed it without explanation. I had the representative put it into review a second time, number 467, this time with proof of my paid in full notifications and a copy of one of the paid in full PDFs. It seems FedLoad is now stalling on acknowledging that an error has been made on their behalf. After calling again today, XX/XX/XXXX, it seems they are just further stalling on coming to a conclusion on how this happened and clearing my balance. Again, I have proof that all of these loans are indeed PAID IN FULL and should not have any balance at all. FedLoan also acknowledges they have copies of these documents on their end but they are stalling to fix the problem and clear the balance. 

Attached is a copy of one of the 8 loans ' PAID IN FULL statement, along with a screenshot of the email notifications for my other loans.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a complaint & legal suit against XXXX, XXXX, & XXXX These credit bureau agencies have reported inaccurate information ( letter from creditor attached ) XXXX XXXX XXXX XXXX HAS MADE A MISTAKE & ERROR BY REPORTING A LATE PAYMENT TO MY PERSONAL CREDIT REPORT! In which the creditor agreed it was a Error Transuion XXXX XXXX also have fraudulent inquiries that are not mines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX did not update to remove the late payment from my credit report as the creditor requested I now have seeked a attorney to suit these credit bureau agencies for falsely reporting late payments
Product: Debt collection

2 Bankruptcies were put on my credit bureaus that was dismissed. I have proper documentation as far as dismissal papers from court. During the past 6 months Ive sent certified letters to address this matter. only to get a response that these errors were legit.
Product: Credit reporting

Equifax refuses to report student loans as paid in full, XXXX balance. The Department of Education/XXXX granted me a discharge for XXXX on XX/XX/2016 for all my student loans, including loans with XXXX and with Department of Education/XXXX. I have sent copies of the discharge paperwork to Equifax, but Equifax refuses to remove the loans or report them as paid in full and closed with XXXX balance. This is in violation of federal law.
Product: Student loan

Upon graduating from XXXX XXXX School in XX/XX/XXXX, I was repeatedly harassed by Sallie Mae ( now Navient ) regarding repaying my loans. At the time I was still trying to study for and pass the California XXXX XXXX and was unable to find a job. 

On XX/XX/XXXX they Capitalized Interest in the amount of {$5200.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$390.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$100.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$38.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$37000.00}. 

During the times listed above, I was actively seeking employment as an attorney and had no income. Sallie Mae/Navient placed me into forbearance and harassed me with telephone calls regarding repaying my loan. I was scared, intimidated, and discouraged. 

I had no idea that income-based repayment plans were available. Had I known, I would have immediately entered one upon graduating. But that was n't the case. 

Luckily, I heard about income-based repayment plans on my own and hired an attorney to help me navigate the system and enroll in one. This was in the late Summer/Fall of XX/XX/XXXX. I had gotten a job in the meantime as well. 

Furthermore, on XX/XX/XXXX they Capitalized Interest in the amount of {$25000.00}. I had already submitted my IBR renewal and they confirmed they received it and it would be processed on time. 

Sallie Mae/Navient used a preposterous amount of phone calls to continually pressure me into repaying my loan without an income, placed me into forbearance without giving me the option of joining an income-based repayment plan, and capitalized interest on my loan several times for no reason. 

My XXXX school ( XXXX XXXX School ) will be closing soon and they are just as much to blame as Sallie Mae/Navient for the nearly {$300000.00} student debt I am in. XXXX XXXX School lied to me about their bar passage rates ( I did not pass the first time and had to re-take the XXXX XXXX 2 days before my wedding ), job placement rates ( it took me 2 years after graduating / 1 year after passing the XXXX XXXX to secure employment as an attorney ), and they lied about average starting salaries for XXXX XXXX School alumni ( they claimed a number near/around $ 70,000- {$80000.00} per year, my first job I was offered {$58000.00} per year ). 

It is no surprise that XXXX XXXX School is now closing down due to poor student performance. Their entire institution has done nothing but lied to me about my prospects as an attorney - FOOLING ME into taking a 6-figure student loan to pay for their OVER-PRICED tuition.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Debt collection

In 2012 I filed with the court a Notice of Intent to Defend, Response to Admissions, and a Response to Complaint on a Contract with Gemini Capital Group, LLC with XXXX XXXX XXXX as their Attorney. I never received any further communication after my Response to the complaint. My situation still has not changed and has in fact become worse. I have no checking account and own nothing. I am currently on assistance. I received a letter saying that I remain indebted to this company still, for an even larger amount. I feel like this company has already caused me hardship in the past by harassing me about this said debt and I would like them to stop. This supposed debt is from over 7 years ago.
Product: Credit reporting or other personal consumer reports

I have been tremedously impacted. According to 15USC 1681b Credit reporting agencies are only allowed to furnish consumer credit reports to those who have permissible purpose as defined by the FCRA. I have NEVER gave my written concent to share my information with a third-party ( TRANSUNION, EQUIFAX, EXPERIAN ) My privacy of educational records are protected under FERPA. I DEMAND my rights are not violated. I demand to see verifiable proof ( an original consumer contract with my wet signature on it between these 3rd parties ) you have on file of the accounts listed below. I demand the accounts to be removed immediately **XXXX open XXXX XXXX {$400.00} **
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report the account XXXX XXXX XXXX XXXX XXXX incorrectly. This XXXX XXXX account is reporting as a charge off but that is incorrect. Neither consumer agency has provided me with any evidence that they did a reasonable investigation to prove this account was indeed charged off. Financial institutions are insured by the FDIC so they do not take a loss and the contract is a security which bankrolls their business operations including the consumer agencies because they are paid to furnish deceptive information. Each consumer agency is listed in the XXXX XXXX XXXX XXXX because they securitize consumer information but they do not suppose to have our private financial information. Unless each consumer agency proves the information they are furnishing is accurate I will sue,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the consumer credit reporting agency, Equifax for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to XXXX. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that XXXX added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My last certified letter that I sent XXXX was on XXXX XXXX 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
I also sent a request to remove addresses that did n't belong to me and update my current address. As well as removal of the inquires that I did not authorize : XXXX XXXX XXXX and XXXX.
Product: Debt collection

Company is trying to collect outstanding interest after loan of {$500.00} was paid in full
Product: Student loan

On XXXX XXXX, XXXX, I entered into a payment arrangement with XXXX XXXX XXXX XXXX XXXX, for the purpose of rehabilitating my student loan. I spoke with their representative who I noted as being XXXX XXXX. The arrangement was to pay {$32.00} per month, 9 payments in 10 months. I provided information to allow for direct withdrawal from my checking account. A payment for {$32.00} cleared the checking account on XXXX/XXXX/XXXX. I sent in a signed form agreeing to the arrangement. They have taken no additional payments and now I have received a mailing from XXXX XXXX XXXX threatening additional action on a balance that appears to be a few thousand more dollars than before. I allowed the previous company to debit payments from my checking account and yet apparently face even more financial ruin than I already have. I already have too much on my plate with finances, health, and family issues.
Product: Debt collection

I can not get approved for anything and this matter has left me stagnated in my financial life.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a report on my account for a delinquent account from XXXX XXXX. I contacted XXXX XXXX and also contacted Experian directly in order to submit a dispute. XXXX XXXX has failed to respond to me and Experian dismissed my complaint stating that XXXX XXXX provided validation of the debt. I asked Experian to send me a copy of the validation and they refused to do so stating that I would need to discuss it directly with XXXX XXXX. They provided a telephone number to me to reach out to them directly. 

The telephone number that Experian provided does not work. The telephone numbers on their websites do not work. I go through the prompts and the number just hangs up on me. I don't understand how Experian can receive validation of a debt, but can not pass it over to me, and not allow me to contact the creditor directly. I'm merely asking for an accounting of the debt so I can verify and pay it off, but Experian just keep referring me to a non-working telephone number.
Product: Checking or savings account

I want XXXX  and Pnc to be able to link up
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. 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. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. Please fix the accounts below : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I was told that I had a late fee for XXXX of 2021, I ask if I could get the fee waived and was told no so with that I ask what was my total balance so that I could pay it and cancel the card, now they are telling me that I put the information in and I am saying that they did, but someone put my account number in wrong, now I have had the account for over twenty years to where I know my account numbers by memory, also they have yet to seen a letter to me saying anything about the mix up and just let the charge double and they also listed it on my credit report, for my credit score is in the XXXX 's, I pay my bills, this is the actions of a person or persons that have found a way to cause other people money and pain.
Product: Debt collection

The collection agency is trying to collect a debt not owed. the Hospital wants to collect money not owed, the insurance company paid all debts. 

Sent the debt collector a letter to validate the debt and they did not and are still harassing
Product: Debt collection

The Easternaccos debt collector responded to the CFPB complaint. Complaint number # XXXX states that they place all phone calls during the allowed hours the CFPB gives. Pursuant 1692b ( 2 ) states that you are not allowed to speak directly or indirectly with a consumer without their consent. Also, it is an infringement on a consumers right to privacy. When you call and I Answer, you ask to speak with the consumer. According to 1692b ( 2 ), youre not allowed to speak directly or indirectly with a consumer. To go deep into the context of what you said about calling is permitted. 
According to 15 USC 1692a ( 2 ), communication means conveying information regarding a debt directly or indirectly to any person in any medium. As per the literal interpretation, any medium includes any oral, written, electronic, or other medium. 
Therefore, furnishing the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per the fair debt collection practices act ( FDCPA ) Easternaccos Debt collector stated that there was no violation when the calls were placed. 

Pursuant to 15 USC 1692a ( 2 ) clearly states that you have violated my rights. I will attach a copy of the FCRA STATES YOU FAILED TO SEND me the validation I requested along with the cease and desist letter I mailed to you using USPS for the alleged debt that is furnished on my credit report. How do I know you received all the documents that were sent to you because you responded to the CFPB complaint and stated that you received the letter on XX/XX/2023. 

I submitted a validation letter along with a cease and desist letter on XX/XX/2023 and Easternaccos debt collector failed to acknowledge or submitted what the validation requested. That is a violation of my right under ( FDCPA ). I am asking for these invalidated debts and unverified debts to be removed from my consumer credit report immediately and effectively. 

Down below you will find a copy of all documents
Product: Checking or savings account

Chime bank denied me a refund that I never authorized it it was unauthorized but yet the bank side with the merchant, as for as I know the law is it was unauthorized then Im to get refund bitcoin refuse to refund me so you guy are my last hope
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer report and saw that XXXX  XXXX is reporting a fraudulent account on my report with a balance of {$5200.00}. I DO NOT HAVE A CREDIT CARD WITH THIS COMPANY. I have reported to XXXX, XXXX EXPERIAN And the information came back verified. After my careful review, i have determined that neither company has accurately verified this fraudulent information because the information is not reporting accurately so that means a proper investigation has not been done. Due to FCRA i am entitled to a fair and equitable consumer report and this is not fair to me. I try to stay on top of my credit and this fraudulent account is hurting me.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX and now I am writing to dispute several items on my credit report that I believe are inaccurate and incomplete.I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is accurate, fair, and substantiated. It is imperative that the information contained in my credit report adheres to the XXXX standards, which mandate accuracy and completeness.According to XXXX guidelines, I expect the investigation to be completed within 30 days of receipt of this. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the necessary corrections. As per the guidelines outlined in the XXXX Format, I am requesting a thorough investigation into the following inaccurate items on my credit report : XXXX. XXXX XXXX XXXX XXXX reported as 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX am writing this complaint today because my rights have been violated repeatedly by the company listed below. This company has violated my rights under XXXX5U.S. Code 1681and U.S. Code 1679 I have a right to an accurate report and this company is reporting an inaccurate balance. The balance being shown is not correct as well as reporting an inaccurate file. I was charged a repossession fee twice. I purchased GAP insurance when purchasing the car, the lender was paid out by GAP to cover the loss vehicle. The file should be a point of sale and was reported as a installment loan. Because of these violations mentioned, I'm it be removed immediately as the solution. 
account to be removed as followed. 

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

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$470.00} ), XXXX XXXX  ED/XXXX ( Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX ( Date opened XX/XX/XXXX, Credit limit {$2000.00} ), XXXXXXXX XXXX  ( Date opened XX/XX/XXXX, Credit limit {$2800.00} ), XXXX ( Date opened XX/XX/XXXX, Credit limit {$300.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I received a letter ( attached ) stating they were adding some INACCURATE/ FRAUDULENT social security number XXXX to MY credit report! This is not my information at all.
Product: Debt collection

Upon reviewing my credit report, National Credit adjuster is trying to collect a debt that has been sold by another collection agency name XXXX XXXX  that I already disputed this via certified mail in XXXX of 2016. XXXX XXXX collection agency deleted the said collection from my credit report since they can not prove that the debt belongs to me. then 4 years later national credit adjust tried to collect the same debt of which I do not owe. I have requested proof of signature to show that the debt belongs to me and to no avail have not receive anything from national credit adjuster. I would like for this deragotory remark that national credit adjuster placed in my credit report from all 3 CBs removed since they can not prove that this debt is mine and it violates FCRA