23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been paying my DLSCNS loans on a IDR since XXXX. My loans were originally with XXXX XXXX XXXX XXXX XXXX XXXX program from XXXX. Then cornerstone took over my loans in XXXX, of course I have no say in any of this, and they had my loans until XXXX. In XXXX another hand over occurred to Fedloan servicing. Back in XXXX, while with Cornerstone, I asked how many qualified payments I had on my account. I was curious, as I have been paying every month since XXXX. Cornerstone came back to me saying they were having trouble accessing the information from my previous loan servicer, XXXX XXXX. I said to them, " How is that my problem? You are a financial institution, and anytime you take over someones loan, you would naturally have all the information that goes with it? ". They said they would need sometime to go back through their records to follow up my query. Not too long after that phone conversation, my loans were sent to FedLoan servicing. 
The minute my loans went to the new servicer FedLoan, I questioned them straight away, about how many qualified payments I have. I got a response from them on XX/XX/XXXX, saying that I had XXXX qualified payments thus far. I immediately rang them up, and said that was incorrect, as I have been paying since XXXX, without any interruptions, and my wages are always certified every year, and no forbearance taken out. I was told that they would expedite my question and I would here from them in 3 business days. That was back in XX/XX/XXXX, I have followed up another time, and still no response. 
My loans should be nearing forgiveness, instead they tell me I have another 16 years to go. That would take me to XXXX, meaning I have been paying loans for 36 years. There is something fundamentally wrong with these Income driven repayment plans. 
I require any help that is possible, to get the correct and just outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A . States I have 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.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Student loan

I have been in Repayment of Federal Student loans ( see attached ) Through XXXX  servicing since XXXX. After 7 years of repayment I called to discuss PSLF opportunity and was told to consolidate my loans. I'm being told that since my loans were consolidated between unsubsidized and subsidized loans and when they were transferred to FedLoan in XXXX it reset my counts because I consolidated " new loans ''. This makes me ineligible for TEPSLF. I have an issue with this because I have had consolidated loans since XXXX and have not taken out new loans nor was I notified that this would reset my PSLF payments for the entire balance ( not just subsidized vs unsubsidized ). Had I known that information, I would not have reconsolidated in XXXX.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX XXXX you furnished alleged transaction ( s ) on my XXXX, Trans Union, and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 

A creditor can not treat a payment as late without complying with this section of the law! 

I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

Do not reply to me stating that you are furnishing accurate information because we both know you are not. 

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). 

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. 

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Without Recourse UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

i just found out that there is an account with ( loanme No : XXXX ) that does not belong to me. i have filed a ftc report to support my claim. i have never authorized this company to run my credit or give me this loan. this loan is due to fraud. please see attached supporting documents
Product: Debt collection

On XX/XX/2018, debt collector, who is posing as an attorney ( Linda Strumpf ) AND who is the CEO of the plaintiff ( XXXX XXXX ) served my bank ( XXXX XXXX ) with an illegal judgement for {$5900.00} to be withdrawn from my social security account. Thus far, they have gotten {$3100.00}. This money is a combination of my social security and a loan. I have had no dealings with XXXX XXXX. I have never received PROOF of ANY debt from XXXX XXXX or a court notice. I have lived at my current address for almost 6 years and a previous address for 3 years. No court notice, yet the index number is XXXX in the Civil Court of XXXX. I got this and the following information from my bank : to call XXXX, XXXX XXXX XXXX. I called. Left message. No cooperation or return call. I informed them I would contact CFPB. Again, nothing ; however since then I have learned that there are many complaints against Strumpf who wears two hats. Additionally, it appears that the Connecticut address is currently bogus as there are 7 companies at XXXX XXXX XXXX, XXXX XXXX, Ct XXXX but only ONE since XX/XX/XXXX which is actively owned by XXXX XXXX ; the others involved Linda Strumpf. Additional addresses are XXXX XXXX XXXX, XXXX XXXX, NY XXXX and oddly enough, the XXXX that XXXX XXXX gave me as Linda Strumpf is listed by XXXX as XXXX XXXX.
Product: Credit reporting or other personal consumer reports

" To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a few credit inquiries by your company. One was on the XXXX of XX/XX/XXXX, the second one down the list is an inquiry on XX/XX/XXXX of XXXX that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless you have a permissible purpose per FCRA Section 604. You have no permissible purpose so please have this inquiry removed from my credit file immediately.

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this along with your certification to the bureaus that certifies your permissible purpose.

Otherwise, please note that I am reserving the right to take civil action if necessary. 
" I sent a letter containing the above text to the address shown on the credit inquiry entry on XXXX XXXX using certified mail. The letter got there on XXXX XXXX, It is now XX/XX/XXXX and I have not received any response from them.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

DeaR SIRS : WAS REVIEWING MY CREDIT REPORT AND FOUND NUMEROUS INQUIRIES WHICH WERE NOT AUTHORIZED BY ME, AND DID NOT APPLY TO THEM! 
LIST AS FOLLOWS : 1XXXX CXXXX XXXX 2 XXXX XXXX XXXX XXXX 3XXXX XXXX XXXX 4XXXX XXXX XXXX 5.XXXX XXXX XXXX 6XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX 9XXXX XXXX 10.XXXX XXXX-REPORTED AS FRAUDULENT ACCOUNT ON FTC REPORT # XXXX. 
11. ONLY APPLIED TO XXXX XXXXXXXX XXXX FOR AUTO LOAN! AND ALL THE REST OF THESE INQUIRIES SHOWED UP, PLS REMOVE UNAUTHORIZED INQUIRIES!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has 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.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose update late payments for following dates to current XX/XX/XXXX or delete account from credit report.
Product: Checking or savings account

Capital One is giving zero update on their deposit issue. I am having bills return and racking up fees. My phone bill is going to be shut off. Im at risk of my power being cut off. I have life saving medications to purchase that I cant get because capital one and whatever third party vendor they use wont fix the issue or give any updates.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX Balance : {$110.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX  XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$70.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm ( s ).
Product: Debt collection

I have NO CONTRACT with this collection agency. Also they have been trying to collect on debt they claim I owe them that the date owed has been changed many times outside the statue of limitations. I am continually sending verification letters to this same collections agency every month or so for the same exact date of service and not only is this stressful but it is mentally draining me.
Product: Checking or savings account

I deposited a check to chase for approximately {$96000.00} from XXXX. Chase has been holding my funds for 6 MONTHS NOW!!! This is theft. XXXX already verified this check. Chase is not releasing this check until they call a verified XXXX number which they do not have apparently. I've tried everything now and called chase and XXXX over 100 times. Chase has the money and they refuse to release it. This should be illegal. This is life changing money for me and my family. Please help.
Product: Debt collection

I have not received any medical treatment or services from this hospital and they are in error. The money owe was for services my wife received. The collection agency has consulted with a law firm who in turn have reported me as owing this debt with is false.
Product: Debt collection

Below is a log of phone calls I've received from Halsted Financial Services LLC of XXXX, IL. Plus two calls I made in return, yesterday and today. Many of these calls made to me resulted in brief voice mail recordings. No message was left, only the sound of a phone center " boiler room '' operation. Every recording sounded alike. I believe that they are being made from a single location, using various spoofed/forged phone numbers. 
XX/XX/XXXX : XXXX SEVEN CALLS XX/XX/XXXX XXXX SEVEN CALLS XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS XX/XX/XXXX XXXX XX/XX/XXXX XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS XX/XX/XXXX XXXX TWO CALLS XX/XX/XXXX XXXX XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS ; called back once, spoke to unnamed person, told them to stop calling, told me number would be removed. 
XX/XX/XXXX XXXX Caller with accent demanded to speak to XXXX ( unintelligible, perhaps XXXX : I got numerous bill collector calls for him at my previous number! Which was not forwarded to my current number! ) I asked him what company he was with. Refused to tell me, Argument ensued. He hung up. 
I phoned number back, asked to speak to a manager. A person with a heavy XXXX XXXX ( XXXX, XXXX? ) accent came on, identified himself as " XXXX XXXX. '' I told him that he was giving me a fake name. He did not deny that but refused to identify himself. He did tell me that his firm is Halsted Financial Services of XXXX, IL. I told him that I've received numerous calls from various area codes, which I said are forged phone numbers. He claimed that there is a call center for each one. He said that it would take 24-48 hours for calls from the company to stop. I demanded that the calls from Halsted stop immediately. I was given no firm committment to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows as past due when the account has been in forbearance since the pandemic. Now the account has appeared on my credit and has effected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.

15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish information relating to a consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Bank account or service

Chase bank closed my bank account with out any warning or notifications on XXXX XXXX of 2015. If I did not log on to my account mobile I would have never known that it was closed. I went to the branch on XXXX the banker XXXX XXXX kept giving me the run around he was not giving me any valid explanation due to my account being closed. He kept " assuming '' that it may have been fraud or someone was depositing checks that were not in my name. Which still does not give me an explanation. Then the banker stated that i should be receiving a letter in the mail about the cancelation of my account, which I still have not received. Now I can not receive my payroll check and it is very very inconveniencing me and my bills. I have been calling customer service for the past XXXX days and they tell me something different everytime. First the money should be on my account by Monday, then it should be there by Tuesday morning and I can pick it up from the branch, now they have to verify and send me a check. Why could they not let me know this before hand they know how there procedure works. I have no documentation because they have failed to notify me.
Product: Debt collection

On XX/XX/XXXX, I filed a claim ( XXXX ) with USAA for my XXXX vehicle. The following timeline details my experience and associated legal violations : XX/XX/XXXX : - Parts were ordered for my XXXX XXXX with no XXXX due to manufacturer backorder - Shop documented and communicated parts delay to USAA - USAA failed to adopt reasonable standards for investigation ( Violation of XXXX  XXXX XXXX XXXX ) XX/XX/XXXX : - USAA stopped rental car payment without proper notification- This occurred despite having a " No Max Policy '' that covers rental until repairs are complete - No advance notice provided about payment stoppage - These actions violated XXXX  XXXX XXXX XXXX ( Unfair Settlement Practices ) and XXXX ( Misrepresentation of Insurance Policy ) XX/XX/XXXX ( Documented in Recorded Call ) : - USAA adjuster confirmed " you don't have a limit to your rental '' but imposed arbitrary XXXX limitation - Violates XXXX  XXXX XXXX XXXX ( Misrepresentation of Policy Terms ) - XXXX  confirmed {$65.00} daily rental rate and approximately {$710.00} in charges from XXXX XXXX - USAA stated extension would XXXX " XXXX days '' for processing despite urgency - Violates Texas XXXX XXXX XXXX ( Prompt XXXX of Claims ) - Company refused to use authorized business contact number - Failed to provide reasonable accommodations for documented veteran anxiety condition - Violates Americans with Disabilities Act ( ADA ) XXXX XXXX and XXXX  XXXX XXXX XXXX ( Unfair Discrimination ) Specific Statute Violations : XXXX. XXXX  XXXX XXXX XXXX - Unfair Settlement Practices- Failed to attempt good faith settlement - Did not acknowledge communications promptly - Failed to conduct reasonable investigation XXXX. XXXX  XXXX XXXX XXXX - Misrepresentation of Policy Terms- Misrepresented the " No Max Policy '' terms - Failed to disclose material limitations- Provided misleading information about benefits XXXX. XXXX  XXXX XXXX XXXX - Prompt Payment of Claims - Failed to adopt reasonable standards for claims handling - Did not affirm or deny coverage within reasonable time - Delayed investigation without justification XXXX. XXXX  XXXX XXXX XXXX - Misrepresentation of Insurance Policy - Made untrue statements about policy provisions- Failed to state material facts - Made misleading statements about benefits 5. Americans with Disabilities Act ( ADA ) Title III - Failed to provide reasonable accommodations- Did not modify policies appropriately - Denied equal access to services XXXX. XXXX  XXXX XXXX XXXX - Unfair Claims Settlement Practices- Failed to respond to communications promptly - Did not provide reasonable explanations - Made no attempt at fair settlement XXXX. XXXX  XXXX XXXX XXXX - Unfair Discrimination - Did not provide equal services to person with XXXX - Failed to make reasonable accommodations - Imposed different terms without justification
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a parent plus loan for my daughters college tuition and Experian is telling me that I have to send a WRITTEN REQUEST TO HAVE MY CREDIT FREEZE LIFTED!! 

I don't have that time for snail mail! My college students college needs to pull credit to determine eligibility and it needs to happen and get approved by next week!! 

I called customer service and it WILL NOT CONNECT ME TO A LIVE PERSON!!!! I called within business hours. I am FURIOUS!!!! 

This is unacceptable and could ruin everything. 

EXPERIANXXXX XXXX XXXX