23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

ACS in XXXX NY has been handling my loans for a long time. They currently will not take my phone calls, and their head manager will not return my calls. They refuse to cooperate or speak to me, take my payment over the phone, or assist me in any way. My deferrment period has run out, due to the misinformation, lies, or lack of knowledge of their call center staff. Its like they have hired it out to some foriegn country and/or individuals who are untrained, unaware, or under pressure to terminate loans. I am confident it is their fault that I am in this position. For years I have been asking them on numerous occassions for information about a low payment loan to repay my loans or a govt loan to repay them. I am always told that no such loan exists, they have no idea what Im talking about, and know of nowhere to refer me. As it turns out, the loan I was referring to is called an IBR, which is supposed to be offerred by their services, which I couldnt figure out, and asked for their help. I received it by chance, several years ago by one staff member who was really helpful, but I didnt understand it or where it came from, and was given no explanation or renewal process to keep it going. Of course I would have preferred to have this loan paying down my loan amount! However, I didnt know it was available, and the call center staff declared no knowledge of any such thing. Consequently, I only knew to defer my loan, which seemed the only relief, since I do not have the funds to make the huge payments. Finally the supervising manager helped me to apply for the IBR, when I appealed to her, but I was assessed a full payment of over XXXX XXXX dollars -- in the meantime, which I can not afford. I have been approved for the IBR now, which I finally understand and am thankful for, which is at low reasonable payments, but they are assessing me in default because I can not make that one huge payment that they leveled on me between the time I applied -- to when it was approved, which was several weeks. Its not fair : what has been done to me or the way I am being treated.
Product: Credit reporting or other personal consumer reports

I am formally requesting that all items on my credit reports be updated to reflect " paid as agreed. '' In addition, I am seeking compensation from each credit bureau in the form of a check XXXX. ) XXXX - {$11000.00}, XXXX. ) XXXX {$11000.00} and XXXX. ) EQUIFAX - {$11.00}, XXXX for each of these inaacurate accounts pursuant to ( 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses 80 617 - 15 U.S.C. 1681o or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. )
Product: Checking or savings account

First off, I would like to state that I am a XXXX XXXX who is currently unemployed due to a layoff. On Friday, XXXX XXXX, 2017 ; to my knowledge, my account was at a XXXX balance. I made a conscious decision to overdraft my account to pay for parking ( D.C. Parking mainly accepts card transactions ) in order to attend my volunteer position. After I completed my duties, I decided to submit {$5.00} to pay for my parking in order to avoid any overdraft fees. At this moment, I realized that there were some fraudulent activities on my account which caused my account to go into a negative balance which also included SunTrust overdraft fees. Immediately after, I called the bank to inform them of this activity and notified them that I made a transaction prior to knowing what was taking place with my account. The bank then informed me that they would look into the fraudulent charges and assured me that I would not get any additional overdraft fees for my parking charge. After about 5 business days had passed ( the estimated time told to fix the fraudulent activity ), I called for a follow up. The bank then told me that I was misinformed and that I am liable to pay the fees. Thus, I complained again. SunTrust told me, since I was misinformed they needed to have their research team clarify the recording in order to lift their fees off of my account. As a result, the banks research findings found me liable and now, I have to pay {$5.00} plus {$72.00} in overdraft fees. I do not have a job, I am currently looking for one. I live off of financial aid to carry me throughout my academic career. I am a hard worker, an XXXX XXXX XXXX Please help me. I do n't think its fair that I must paying {$77.00} for a parking spot when I am actually devoting what little time and resources that I have to the XXXX.
Product: Credit reporting or other personal consumer reports

I checked my TransUnion consumer report and noticed that an item is being reported without my expressed consent written or otherwise. There is a bankruptcy reporting that is being furnished after I have disputed its inaccuracy and madeTransUnion aware of its error in reporting this. It violates my right to privacy and goes against The Consumer Privacy At of1974. It states that " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). TransUnion has been made aware through clear and conspicuous communication that the furnishing of this information is against my will and without my consent. Every time TransUnion disseminates my consumer report, it is violating my privacy and laws set up by the FTC to mitigate identity theft.

Companies are supposed to adopt procedures that would aid in defense of such egregious misuse of my consumer report and protect the privacy of the consumers. TransUnion failed to do that and according to 16 CFR 681.1 is liable for not following legal procedure and remaining compliant with Federal law.
Product: Mortgage

I am currently in the process of refinancing my mortgage that is being serviced with Fay Servicing. In order to refinance, the lender I am going with is requesting a letter from Fay Servicing stating that a Forbearance that I did in XX/XX/2020 was made into a deferment in XX/XX/2020. I have contacted many people at Fay and they state they do not have this documentation and will not resolve this for me. How do you create a deferment without documentation? I need this document and as of today, I have contacted the CEO, XXXX XXXX, XXXX XXXX, VP of Quality Assurance and have not received the documentation that I need.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Account in question : XXXX XXXX XXXX This account also has inconsistencies in the balance due. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate. 
I am not liable and refuse to pay this debt with XXXX XXXX. I have no contract with XXXX XXXX XXXX in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX A 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 Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I got a welcome letter from PayPal stating I opened an account. I never opened an account and I never got the actual credit card. I only got a welcome letter. PayPal illegally approved an account that I don't recall completing a credit card application. I do not know how PayPal got my information to automatically approved unwanted credit card from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$640.00} XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$890.00} XXXX  XXXX {$640.00}
Product: Credit card

Several unexplained overdraft fees. When I went to pull money out of my account they closed it and took all the money in my account. They claimed I owed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan Servicing was mailed disputes regarding my credit report for XXXX months worth of late payments reported from XXXX and XXXX of XXXX causing me to have XXXX ( XXXX ) late payments show on my credit. After more than 6 months it was finally resolved and FedLoan Servicing sent correspondence to me and also here that the issue will be corrected and the update will reflect on my credit reports within 60 days from XX/XX/XXXX which it was. 
However, FedLoan Servicing came back here on CFPB in XXXX and stated that again there was another error and the correction to remove the late payments from XXXX and XX/XX/XXXX was also removed in error and that the late payments should remain on my credit reports. 
My issue with FedLoan Servicing is that they are not resolving an issue that they created. I have sent several disputes to this company and have not received any form of resolution this has taken a toll on me mentally, physically, and emotionally to have to endure pain and suffering all because of their mistakes. No one at this company has taken accountability to resolve my issue, please assist and I want these late payments to be removed once again from all three ( XXXX ) of my credit reports immediately. 

For their company to agree to update this information then later go back and add it to my report is destructive to my credit worthiness and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent certified letters to dispute charge-offs on XXXX, XXXX, and Transunion credit bureaus and as of today XX/XX/2022 I have yet to receive an update of my disputes. I have had identity theft done on me several years ago. It is to the extent that the IRS sends me a pin every year to file my taxes. I have disputed XXXX XXXX XXXX XXXX for 2 charge-offs for the amounts of {$12000.00} and {$4000.00}. The credit bureaus are still reporting inaccurate information without supplying me the correct documentation of accuracy.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had my checking account restricted on XX/XX/XXXX. I called Capital One at XXXX and was informed that my account would be closed because I used XXXX for XXXX XXXX, although I had previously verified XXXX transactions for Capital One and had the restriction lifted once before. On XX/XX/XXXX, I received an email notification that my account would be closed, and my funds would be sent to me via check or an externally linked checking account. It has been over 6 weeks since my account was restricted, and I still have not received my funds, despite visiting a Capital One branch without any assistance. Lucky for me I had some money in other accounts so I can pay my bills. The frustrating part is that I have to use another account to pay my Capital One credit card 's bill. Another frustrating aspect is that there is no recommendation in Capital One 's policies for customers not to use XXXX for cryptocurrency. Now I have money frozen in my capital one checking account and have no idea when can I get my money back. 
Sincerely,
Product: Debt collection

Debt Amount XXXX Collection Company ( Plaza Services LLC XXXX the original creditor XXXX XXXX XXXX  XXXX Date of the loan, showing XX/XX/22. 


My identity was stolen on a loan I never applied for.Someone got a whole of my personal information and used it to obtain funds.The bank is XXXX XXXX XXXX never received notice or call in reference to this loan.I need to see once this loan was obtained, if any payments were made on this account and if so, by whom and what account, and how the account was being paid.I am not showing any inquiry on my credit report in question about this loan..The loan was turned over to a collection company by the name of Plaza Service LLC.. I am requesting for the original purchase agreement from Plaza Services LLC, that shows that they are the original legal owner to this alleged debt.Please include all the terms and purchases in this agreement
Product: Credit reporting or other personal consumer reports

I have not been able to acquire my full credit report from any one of the three credit bureaus for many, many years. Problems to my knowledge are as follows, my last name is spelled incorrectly, my birthdate is incorrect, and one address is incorrect, as in I never lived there and have no idea how it got on my report. There may also be a problem with my social security number, I am not sure. I haven't contacted whoever reported or furnished these incorrect pieces of information as I'm not sure who they are or how to find out who they are and how to proceed. I would like to get these inaccurate errors fixed immediately so I can start off 2025 with all three corrected reports from all three of the bureaus, so I can properly evaluate my financial status and proceed to process fixing my credit over this next year with the help of a financial advisor. Thank for your time.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

On XX/XX/XXXX my husband went into Bank of America and deposited my check in the amount of {$11000.00} with a teller. He was told that there was no holds on the check and it should be all available in 2-3 business days. After waiting a few days we did not see any activity on our account. We began to worry so my husband called their customer service line on Friday XX/XX/XXXX and was told that there was no record of a check in that amount ever deposited. He was then transferred to their claims department where he filed a claim with them and was transferred back to a supervisor where he was told to go in to the bank and bring the receipt of the deposit and the stub of the check and speak with a branch manager. We went in to the bank the next day XX/XX/XXXX and spoke with the assistant manager, XXXX XXXX, where he tried to locate the missing check. He was unsuccessful and told us he did not know what happened or where the check was. He then told me to contact the institution that gave me the check and ask them if the funds have cleared from their account. He also said he would have this matter resolved by Monday XX/XX/XXXX but I have yet to hear from him.
Product: Mortgage

On XX/XX/XXXX we secured aHome Equity Line of Credit in the amount of {$46000.00} from XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX, IN, XXXX no where on the Deed of Trust was there any mention of the interest I was to pay or the amount of number of payments that were to be paid. I paid on this loan every month from XX/XX/XXXX until XX/XX/XXXX. Thatnwas thelast payment I made bcause every month the amount on the statement never changed. After all of this time seeing that I was making no progress on the original loan amount owed, I just quit making payments. That was not the right thing to do but I had a feeling there was something wrong but I had no idea what to do. At some point shortly after, the loan was bought by ditech Financial LLC, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX. From the time I received this loan, every statement I received was for the same amount of {$46000.00}. Not once did the amount I paid was reflected on the statement. Even when ditech took it over. I made 48 months of $ XXXX@ 15.658 %. None of this was stated in the original loan papers that I have. What got me wondering is that I received a letter dated XX/XX/XXXX informing me that if I felt that this account has been collected unfairly that I should notify their complaint department. On around XX/XX/XXXX I received a billing statement dated XXXX XXXX stating my next payment due date was XX/XX/XXXX but I have not received anything else from them since. 
Today, XXXX XXXX I contacted ditech 's complaint department to discuss this with them. The agent I spoke with so rude and defensive. He told me that he would not send me any information about the original loan contract or the list of payments that I had made unless I agreed to pay off this loan in full.He toldme there were 1000 pages of documents concerning this loan.

I am enclosing the paper work that I do have regarding the loan and the 2 documents that I received in XX/XX/XXXX. 
I hope you can please help me find out if this was a fraudulant loan or at least get me the documents that I requested. And find out exactly what happened. 
Thank you
Product: Debt collection

Phoenix Recovery Group which is not registered in the state of Florida to collect debt which is a violation " The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. '' I contacted the company several times and I am also in the middle of disputing this with the credit bureau. This company that is not even registered in the state of Florida to collect debts, which is a violation. Is trying to collect a debt that is not mine. I have told them countless times and provided documents that the credit bureau sent over and they still try and say that this is my debt when it is not. I do not owe XXXX XXXX XXXX XXXX. I owe XXXX dollars. They have been sent the intent to vacate letter that was signed by the apartment complex and show my balance as XXXX. This is very frustrating dealing with them and rude staff. I have let them take advantage long enough, They told me on a recorded call, " just send over the intent to vacate letter showing no balance at move out and we will remove this from your credit report. '' That was a lie! they still have not done so! I verified on XXXX XXXX XXXX that they are not registered. Not only are they harassing me about a debt that is not mine they have not right to even collect debts period in Florida!