23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Aidvantage put me into forbearance due to going to university. I called them and told them don't put me on forbearance, I am on the XXXX program and I pay no interest on this program. Put me back on the XXXX program, I asked. They did not do this and now I have {$1100.00} + of debt added from interest! This is a predatory lender that purposely puts me into forbearance to collect interest I would not have on the XXXX program! When I called them to recify their mistake and waive the interest that is covered under the XXXX since they wrongfully put me into forebearance ; they said they would but they did not! Aidvantage is a predatory lender that is trying to add compound interest to students who make under {$32000.00} a year.
Product: Prepaid card

On XXXX XXXX XXXX a charge occurred in error by direct stream TV in the amount of {$120.00} I contacted my bank immediately to let them know the virtual card that have been deleted from my use was charged by direct stream TV. I also contacted direct stream TV and they told me a refund would be issue in three to five days on XXXX XXXX XXXX They also sent me an email stating a refund was coming my way. As of today flare account has not refunded my account accredited my account with the {$120.00}
Product: Checking or savings account

The IRS filed a garnishment against my checking account with Fifth Third Bank on XX/XX/XXXX. I contacted the IRS on XX/XX/XXXX and informed them that it was illegal to garnish a XXXX payment according to Federal and State law. They acknowledged the error and released the freeze and faxed the release notice to the bank the same day. On XX/XX/XXXX Fifth Third bank charged me a processing fee for the garnishment and said that the IRS did it. After contacting the IRS again I was told by Agent XXXX that the IRS has nothing to do with the charge and does not charge a bank any processing fee. 

I contacted the bank again and asked the bank to remove the charge. XXXX ( Customer service manager ) said it was impossible to remove the charge because no one knew how to remove it and " we can charge this because the IRS charged you. " XXXX agreed that a XXXX payment can not be charged and referred me to the local branch to see if they could remove it. 

I contacted Ms. XXXX XXXX ( Customer service manager ) at the local branch. She contacted their customer service and asked to have the charge removed. Ms. XXXX was told after working on this for 2 days to tell me that they could only remove the charge if " The IRS sends them a letter stating they made a mistake and instructs them to remove the charge. '' This makes a resolution impossible. If the IRS is not allowed to place a illegal action on the account, the bank should not be allowed to profit from it. This bank should be investigated for fraud and fined for all actions like this discovered. If they are doing this to all of their customers they are robbing them.
Product: Credit reporting or other personal consumer reports

Credit report have discrepancies/incorrect multiple addresses due to Identity theft
Product: Credit reporting 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. 
Account name : XXXX  XXXX # XXXX Account name : XXXX 's # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC1681 section 602a states I have the right to privacy.

15USC1681 section 602a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15USC1681c ( a ) ( 5 ) section states : No consumer reportin 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.

15USC1681s-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 that the information is inacurate.

15US 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 nonaffiiated third party unless- ( a ) such financial institution clearly and conspicuously discloses to the soncumer, 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 expalanation of how consumer can exercise that nondisclosure option.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I attempted to send {$75.00} through XXXX for the purchase of goods. I got an error message saying the transaction was declined. The next day I attempted to pay my rent through XXXX, but received an error message that there was " unusual activity on my account '' and I couldn't send money right now. I called my bank Capital One since that was the common denominator, but they had no explanation for the issue. They said if I contacted XXXX then I would just be told to contact my bank, which is a useless loop since my bank can't help me. I asked if there was a way to verify my identity or that the transaction attempts were me, and they only advice they could provide was just to wait. Because I still needed to pay my rent, I tried to link my bank account to my XXXX account, which also didn't work. 

Capital One is preventing me from making ANY electronic money transfers right now which is severely impacting paying for my basic needs ( shelter ). They are unable to give me any sort of timeline for when this will be resolved and have made no efforts to remove the security block, chalking it up to an algorithm that seemingly no real person has control over. I need this issue to be resolved ASAP.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Please due diligence to your investigation to insure complete accuracy. 

XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the above account so that I may follow up personally. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

They sent out several duplicate cards and they all were activated on my same account from my payroll provider they allowed my money to withdraw from all card until my savings were all gone I submitted a dispute to have my funds returned and they have taking thru a lot of different steps and still havent received my funds and they are still mailing me different cards that are attached to my account. Please help restore funds to me
Product: Money transfer, virtual currency, or money service

I purchased an item on XX/XX/2020 via PayPal. As of XX/XX/2020 I have not received the item from the seller. I initiated an investigation with PayPal on another matter regarding the item. I advised PayPal that I was no longer interested in the item and contacted the seller to get a full refund. Furthermore, they advertised one price and charged me another. The seller apologized for the error and said they would make the adjustment, which never happened. I told the seller I just want a refund. PayPal does not have a way for consumers to speak to a live agent. They have a chat but the response time takes hours. I advised PayPal on XX/XX/XXXX I did not receive the items via their Resolution platform in the form of a message. The seller is suppose to have 10 days to respond. PayPal gave the seller additional time to respond and has not refunded my money back. According to a letter from the seller the item was shipped out on XX/XX/XXXX. They changed the category of my message and declined the claim. This is unethical.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for verification thank you
Product: Vehicle loan or lease

On Friday, XXXX XXXX, 2022, my home was struck by lightning which started a house fire. As a consequence of the fire, my family and I were left XXXX  and living at a XXXX. On Monday, XX/XX/2022 at XXXX XXXX  EDT, I spoke with a representative of Credit Acceptance and explained the situation. I told them I would make a payment as soon as practicable. Later that day, robocalls and direct voice message calls began occurring from Credit Acceptance. 

On XX/XX/2022, I was advised to monitor calls made by Credit Acceptance and note the time and date. I was also advised to inform them again of my situation and clearly state that with regard to the Fair Debt Collection Practices Act, they should not contact me again for at least seven consecutive calendar days and to note the time and date of this conversation. 

Between XX/XX/XXXX and XX/XX/2022, Credit Acceptance placed thirteen calls to my phone, twelve of them occurring between XX/XX/XXXX and XX/XX/XXXX. I spoke directly to a Credit Acceptance representative on XX/XX/XXXX at XXXX XXXX  EDT, once again explaining our current hardship situation. Calls began again at XXXX XXXX  on XX/XX/XXXX, less than 48 hours later. 

On XX/XX/XXXX at XXXX XXXX  XXXX, I placed a call to Credit Acceptance and notified the representative that Credit Acceptance was violating the Fair Debt Collection Practices Act by willfully harassing me through sheer volume of calls, as well as placing repeated calls well within the seven-day window following a discussion about the debt. The representative stated that I would continue to receive calls until I paid the debt because it was how their system was set up and that it was company policy. I informed the representative on the recorded line that if I received another call in fewer than seven days, I would be lodging a complaint against Credit Acceptance. 

On XX/XX/XXXX at XXXX XXXX, I received a call from Credit Acceptance. I notified the representative that the call violated the seven day clause of the Fair Debt Collection Practices Act 12 CFR 1006.14 ( b ) ( 2 ) ( ii ) and that I would be filing a complaint immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go again with Equifax. 
They are showing my mortgage as late in XX/XX/2020 and I am not. They were directed to change this mistake by XXXX XXXXXX/XX/XXXX earlier this year and they did not. 
I have attached a letter from XXXX explaining this. Please fix this.
Product: Checking or savings account

Capital One first emailed me on XXXXXXXX  about a new account opened in my name and with my email address, with also the phone number and account asserted to be verified. The information about the account described in the email included " XXXX XXXX ; XXXX XXXX XXXXXXXX ; Routing number XXXX ''. 

I tried calling the fraud telephone number, but no one picked up, there was no operator option, and there was no option for me to assert the account was fraudulently opened. I emailed Capital One at the email address identified on Capital One 's website to report fraudulent activity. Capital One sent an immediate auto-response, but never followed up. Capital One continues sending emails asking me to add funds to the account. I have repeatedly emailed the address to report the fraud, but still with no response or action from Capital One. 

I do not use Capital One. I did not request an account. And I do not want this fraudulently opened account to affect my credit score or result in any other form of financial or creditworthiness penalty. 

Please help me to close this account and remove all references if it in my financial and credit history.
Product: Credit reporting or other personal consumer reports

XXXX frustrated by the errors on my report that are unfairly lowering my scores and limiting my opportunities. These mistakes are creating unnecessary financial burdens and holding me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agencies Experian, XXXX and XXXX to do a verification of my credit report in XX/XX/2022 in which they completed, the companies stated that everything was accurate. Upon thoroughly reviewing my credit report myself I found improper inaccuracies even after the bureaus completed their research. Such as identity verification, date opened, this account is also showing open although placed for collection which is a violation. 


Account XXXX XXXX XXXX XXXX XXXX  Creditor : XXXX Acct Num : XXXX In accordance to the Fair Credit Reporting act XXXX XXXX  XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A I have right to privacy.

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

On XX/XX/XXXX and XXXX XXXX, 2 different credit inquiries showed up on my credit reports that I did not recognize as I was not applying for a credit card at all. The names of the inquiries were CITI CARDS CBNA and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 6 letters of accounts reporting to my XXXX credit report which is reporting errors and inaccuracies which is affecting my life.
Product: Mortgage

I have been trying to save my home from foreclosure since XXXX. I have a mortgage with a small local lender in my city. In XXXX, XXXX I begun experiencing hardships due to loss of employment and XXXX. I went to my mortgagor hoping to get some sort of relief, maybe a loan modification or forbearance agreement, anything! Long story short, I have completed XXXX loan mod applications, submitted all necessary documentation over and over and over again, made payments for as long as I possibly could and received NO help from my lender Mortgage Clearing. I also have a fixed rate, but every year the note on my home has gone up. My mortgage payments originally were {$700.00} plus, my mortgage payment is now XXXX plus monthly. I have never been approved for a loan mod or any other help. I have had a number of people at the loan company tell me that they will get back to me, that they lost my paperwork, that I 'm next in line for review or that they will call me back, but somehow my call is never returned. XXXX years I 've been given the runaround and Mortgage clearing serves foreclosure papers to a non-resident of my home. Again, three years I 've been making payments to the best of my ability and as soon as I fall XXXX months behind on my mortgage they foreclose on my home, no questions or help provided. I NEVER received any documents in the mail pertaining to the status of my foreclosure until recently. I received a letter advising me that summary judgement has been granted against me. I 'm baffled, I 'm in no position to move from my home, not only am I taking care of my elderly mother who resides with me, but I just knew that I was here to stay! This is my dream home. A very modest yet perfect for me home where I spend time with my children and grandchildren. I have a XXXX garden and a XXXX garden that I created for my XXXX sister. This home is more than just a house to me and my family, its what I 've striven for my entire life. It 's what I plan to leave to my children one day. I need help saving my home, I truly do n't feel that I 've been given a fair opportunity. I 'm employed and just need the opportunity get back on my feet and do right by my lender. Thank you for your time!!! I sure hope CFPB can help me save my home!!!
Product: Debt collection

This agency calls me on my cell phone and home phone, XXXX of which are unlisted numbers, at all hours. The person calling does NOT identify himself as a debt collector, or even say who is with. He attempts to get personal information form me, and other members of my household. He calls from XXXX XXXX XXXX and I only know it 's a debt collector from searching the number online. I have my home and auto loans thru a local credit union, and I have only XXXX Credit card which is fairly new and never been in arrears. This company uses many illegal tactics and should be stopped. 
Hauge Associates , Inc . 
P.O. XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXhttp : //www.haugeassociates.comXXXX
Product: Credit reporting or other personal consumer reports

( SEE ALL ATTACHED DOCUMENTS TO THIS COMPLAINT ) XXXX XX/XX/XXXX Dear Transunion, There is information on the consumer credit report you have assembled with my name, XXXX XXXX, that is a result of identity theft. I did not initiate, nor did I provide any instruction for the identified transactions to be furnished on my consumer credit report. I am now requesting that you block and remove the specified information from my report within four days as specified by law. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. I obtained no possession of goods, services, or money as a result of these fraudulent transactions. The identified transactions are not information related to any transactions by me as the consumer. Please block and remove the following items as soon as possible. 

TRANSUNION listed as Regular Inquiries : XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION NA via XXXX XX/XX/XXXX, XX/XX/XXXX I have mailed your identity theft department all documents as well. 
Regards, XXXX XXXX
Product: Debt collection

Debt Validation Request for Account Number [ XXXX ] Dear [ LVNV FUNDING LLC ], I am writing to formally request validation of the alleged debt referenced above pursuant to both the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. Code 6802 ( Gramm-Leach-Bliley Act ), which governs the disclosure of nonpublic personal information. 

In accordance with these laws, I am requesting that you provide the following : 1. Full validation of the debt, including a complete accounting of the alleged amount owed, interest, and fees.

2. The name and address of the original creditor, and a copy of any contracts or agreements that demonstrate my obligation to pay this debt.

3. Proof of your authorization to collect this debt in my state, including your debt collection license.

4. Evidence that you have complied with 15 U.S. Code 6802, specifically by obtaining my consent or any legal grounds for sharing my nonpublic personal information with third parties, such as credit reporting agencies. 

Until you provide the requested information and documentation, I demand that you immediately cease all collection efforts and remove any negative reports you have submitted to the credit bureaus ( XXXX, XXXX, and XXXX ). Please note that unauthorized disclosure of my nonpublic personal information under 15 U.S. Code 6802 is illegal and subject to penalties, and I reserve the right to pursue legal action if necessary. 

If you are unable to validate this debt, I request that you promptly delete any related negative information from my credit report, as continuing to report unverifiable or inaccurate information violates both state and federal laws. 

Please send all responses to the address listed above within 30 days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of this alleged debt 5 times already. I have never received anything .Attached is a copy of my most recent request. 
Only Santander bank answered be in a ridiculous way, telling me that they dont understand what I want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 1681. 

Experian XXXX XXXX is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Experian  XXXX XXXX written permission to furnish these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was told by XXXX XXXX XXXX that i would only have XXXX semester of loan debit. After i graduated i found out that i have XXXX outstanding loans. That went from {$800.00} to {$1300.00} now has become {$22000.00}. I have repeatedly and yearly sent in paperwork to request monthly repayment to Navient based on my income. They take months to respond if they even respond. Then there excuse is that i filled out wrong form, but the forms i filled out are on their website under loan repayment. Below is the path on their website to fill out the forms for the Income-Driven Repayment Plans. The problem is that when you fill out the forms on the site provided " studentloans.gov '' i was informed - '' oh that is not the right forms ''. I advised them MANY! times that their website directs you to this site. I have filled out the " correct '' forms and still they do not change the monthly repayment amount, or if they do its only for a couple months then mysteriously it it changed to a much higher amount then the amount i agreed to. I am in the process of getting this issue fixed again. I was told in XXXX that they changed my repayment amount but in XXXX they doubled it again. This just keeps happening. The same thing happened when it was XXXX. Income-Driven Repayment Plans Federal loans have a variety of repayment options that can lower your monthly payment amount and give you more time to repay your loans. With Income-Driven Repayment ( IDR ) plans, certain eligibility conditions apply and an annual renewal is required so be sure to find out how these plans work. Learn about Plans Based on Your Income -To continue with IDR, you can renew online at StudentLoans.gov or request a paper Income-Driven Repayment Plan Request from your loan servicer. Renew online at StudentLoans.gov Renew Using the Income-Driven Repayment Plan Request Form Learn more about repayment plans based on your income.