23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/19 I am unable to get a customer service agent on the phone. When I call, there are adds for : 1. XXXX XXXX, 2. services for people over the age 60 3. a XXXX credit of {$100.00} when I decline all- I am put on hold and a customer service agent never picks up. This is not fair and unethical and immoral. I am a slave in the machine that manages to keep me on hold long enough to run out of time, air and the will to participate in the great democratic process that founded this Country. 

I have been paying this debt for over 10 years, I do not qualify for debt relief because I was lead to believe that consolidating my loan would benefit me. It was a lie. 

I don't need a special counsel investigation to tell me there is collusion between Washington and big banks. You guys rot. I am going to spend my retirement advocating for people to not pay back their student loans, that's the only way to the negotiating table. 

Also, I would never encourage anyone to follow me into public education. Your agencies have figured out that we are sitting ducks. The largest union in the Country and through one loop hole or another you have counter fitted the people serving this great nation. I don't need an orange headed XXXX who makes his living cheating the system to represent me, he represents offices like yours.
Product: Debt collection

I get a collection from a company representing a Cellphone company but I paid my bill in full when I switch with my new company and never received any bills of balance due on anything. I get phone calls from collection agency asking about a bill I do not have any knowledge of. I want the calls to stop and the unjustified bill to be removed and cleared to XXXX balance immediately.
Product: Credit reporting or other personal consumer reports

The accounts been negatively reported are in litigation. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' The Affidavit of XXXX XXXX XXXX will explain the fradulent concealment of facts regarding money creation and allege loans or credit, hence a debt never existed. 
There is no basis for reporting allege debts associated with a fictional legal entity, not me the living flesh by the registered XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is just to notify you the credit bureaus aren't doing their job. I sent out disputes to all three credit bureaus on XX/XX/20 and I have yet to receive a response from any credit bureau. I'm not the only one either. I've spoken to another friend of mine who was also disputing accounts back in XXXX and she says she has not received anything either. We both looked up how long the disputes were supposed to last and everything I read says its only thirty days. Even Experian 's own website says " In most cases, disputes are completed within 10-14 business days and quite often within two to three days. The length of time depends on the type of dispute and how quickly the lender or other data furnisher responds. 
While usually completed much faster, the Fair Credit Reporting Act ( FCRA ) requires that Experian allow 30 days for the dispute process to be completed. '' We are on XX/XX/XXXX and its been TWICE that amount of time and even longer for my friend. What do we need to do to get our disputes processed and completed?
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For several months I have been in constant contact with new servicer - Gregory Funding LLC ( further - GF ) based in Oregon regarding modification application started with previous servicer - XXXX  XXXX XXXX ( XXXX  ). GF stalled my application by asking to resubmit documents which the firm already had from me and XXXX. Most recently, in XXXX of this year, based on suggestion of GF representative, I submitted a written request to consider my offer due to several conditions worsening the current situation including coronavirus. On XX/XX/XXXX, GF 's representative XXXX informed me that my letter had been registered and because they considered it a qualified written request, they would provide a written response within 30 business days. I called several times since to follow up but got the same response each time : " your request is under review '' by " investor '' or a special department. My last call was on XX/XX/XXXX, when rep XXXX again informed me that " it is being discussed with investor '' and " it is still under review ''. I asked her to make a note of the fact that it has been longer than 2 months and this violates my consumer rights and I will complain to Federal government about this violations. I also suspect dual tracking violation.
Product: Student loan

Hello, I had ACS for student loans years ago and am unable to reach them to get my payment records to prove that I was making payments so I can get credit under the public service loan forgiveness program. XXXX says they do not have access to acs records and that I must go through them.
Product: Debt collection

I have attempted to resolve this via the credit bureaus and with ARS ACCOUNT RESOLUTI directly and I have yet to receive any form of validation for this erroneous entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I NOTIFIED EXPERIAN THAT THERE IS A ACCOUNT ON MY REPORT BACK IN XXXX, ( XXXX XXXX/XXXX ) THAT I DONT OWN OR OWE I REQUESTED IT BE BLOCKED FROM MY ACCOUNT SENT THE EXPERIAN CREDIT BUREAU ALL REPORTS AND POLICE REPORT FOR IDENTITY THEFT, THEY TOOK IT OFF OR BLOCKED IT AND NOW THIS MONTH IT WAS PUT BACK ON MY REPORT, I CALLED THEM UP AND SAID WHY IS IT BACK AND THEY CLAIM THE COMPANY CALLED IN TO UN-BLOCK IT. SO THEY DID. THIS ACCOUNT IS NOT MINE AND DEMAND IT BE REMOVED FROM MY FILE IMMEDIATELY, AS I AM NOT PAYING IT OR RECEIVING INVOICES AND IT IS NOW SHOWING LATE AND HURTING MY CREDIT, WHEN IT ISNT EVEN MY ACCOUNT. SO I WANT THIS ACCOUNT IMMEDIATELY BLOCKED FROM MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX # : 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 an 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: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove 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
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the TRANSUNION for allowing the unauthorized inquiries and for not taking corrections which are now damaging my credit reputation. I have my dispute letter dated XX/XX/2024, with the identity theft report number XXXXThey allowed the non-permissible inquiries to be reported in my credit file without proper notification. As I checked my credit report these inquiries are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Debt collection

For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX XXXX..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular one - XXXX, XXXX XXXX & phone # XXXX & # XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX 2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been setup on a payment plan and balance has been agreed upon for settlement. XXXXXXXX XXXX has been contacted and yet will not act to correct the balance, payments made and this has to be addressed as per letter that is attached.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ). According to the FCRA, credit reporting agencies are required to remove or block any inquires or accounts that result from identity theft or unauthorized access to my credit report.I believe this is in violation of Section 605 ( B ) of the FCRA.I kindly request that you block this information from my credit report within four business days, pursuant to section 605 B of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 - {$2200.00} The company has deleted this item from XXXX. 

XX/XX/2024 - {$1400.00}. The company has closed this item on TransUnion. 

XX/XX/2024 - {$2200.00} is still reporting on XXXX and TransUnion XX/XX/2024- {$1400.00} is still reporting on XXXX, XXXX and TransUnion
Product: Debt collection

On XX/XX/2022, the medical debt vulture company, First Financial Investment Fund III LLC, sent debt they purchased from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. On XX/XX/2022, XXXX sent me a letter saying they were servicing the debt now. They call this their demand letter. There was no demand for payment, no option for a payment plan, nothing. Just a letter from a law group with a law group letterhead saying they service my debt now. This was intended to intimidate me. I sent back a letter to them disputing and asking for validation on XX/XX/2022. XXXX sent validation showing XXXX XXXX of purchased medical debt leading to XXXX XXXX XXXX between XX/XX/2022 and XX/XX/2022. But, by XX/XX/2022, XXXX XXXX XXXX had drawn up both validation and legal papers to sue me, filing the legal complaint 28 days after the dispute was received, with a summons ultimately issued on XX/XX/2022 in the XXXX XXXX in XXXX XXXX MI. Service was attempted the week of XX/XX/2022, but I was out of town. I called XXXX and spoke with XXXX on XX/XX/2022 who told me that I 'can ' respond to the summons after I am served, misrepresenting the fact that no answer virtually always means a judgment in their favor. I set up a payment arrangement that day, XX/XX/2022. They told me there was 'nothing ' they 'could do ' about dismissing the lawsuit because XXXX 's with the courts now. ' This is another lie. On XX/XX/2022, I paid in full and called the next week to ask whether this could get XXXX to serve me dismissal papers. They said the lawsuit was 'canceled ' and nothing else would happen with the lawsuit because I paid in full. This is yet another lie because I was served today, XX/XX/2022, over this fully paid debt. I believe they broke the law with the timeframe between my dispute and their lawsuit. I think they attempted to deceive me into not answering the court case. I think they lied by telling me they can't do anything to dismiss the case. I think they lied and will continue to try to collect on this debt to double, maybe even triple collect. If they're trying this with me, they've done it to others. Last, I think they are nothing but a law firm that uses incredibly deceptive and aggressive methods to collect for clients. They took my down payment for my first house for my children and gave it to corporate investors. I know it was my debt -- it was for the birth of my child -- but there was no offer for partial payment or even a payment plan before they filed legal paperwork. They should not exist.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I requested a buy now pay later loan from Affirm in the amount of {$1400.00}, to make a purchase of {$1400.00} from XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, XXXX issued a refund in the amount of {$1400.00}. I believe they charged me a return shipping fee of {$4.00}. I looked at the Affirm account on XX/XX/year>, and saw where Affirm had a refund in the amount of {$1400.00}. It is my belief that Affirm is trying to charge me interest on the full amount that they purposely held back on refunding until XX/XX/year>. On XX/XX/year>, I made a payment in the amount of {$5.00}. I'm expecting the loan to be paid in full. But notice that there still was a balance of {$24.00}. I contacted Affirm, and their explanation was because XXXX didn't fully refund the amount of {$24.00}, I am responsible for it. As shown above, the only amount that XXXX didn't refund to the purchase amount is {$4.00}. As I stated above, I paid {$5.00} to the account. It has been accustomed to me that Affirm doesn't charge interest until the first payment is due, which in my case would have been XX/XX/year>. The account was fully adjusted by Affirm and I on XXXX XXXX. I have on some other loans that I made with Affirm, paid the loan in full before the due date and no interest was applied. Affirm has even offered to save me money on my interest if I paid a certain amount. So, feel that I am being frauded for the {$24.00}, that Affirm is claiming I owe them.
Product: Student loan

Went to XXXX XXXX that was sued and mislead Students in their education that is considered a non credited institute with most major colleges, university or unable to locate empleoyment and now currently was shut down and close. Now trying to repay the loan that is no longer valid and since is a private loan with high interest the load hardly goes down and also dealing with federal loans as well
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed there are remaining items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I was informed on XXXX/XXXX/XXXX that I had been sued and that my wages were being garnished. I was advised that a debt from XXXX was purchased by the company XXXX XXXX. I was never served or notified that I was being sued in court. As a result of this I have to quit my job because I do not have sufficient funds to support me and my family and fuel my vehicle to get to work. These people purchased the debt after being written off from the original credit card company and doubled the amount claiming interested. A {$12000.00} debt has now become a {$58000.00} debt because this company has added an outrageous amount of interest, and fees.
Product: Checking or savings account

I tried to close my account with capital one as they wouldn't release my check so I wanted to cancel it and just go cash it in person. They started to close it, but now they said there's an open case on my account preventing it from closing. It's been 2 weeks and nothing 's changed and they don't give me a straight answer. They processed and cashed my check and now I'm unable to retrieve the funds, nor will they issue me a closing account check like they're supposed to. No supervisor can tell me why it's taking so long or when I can expect it to be done. This is crazy, they're holding XXXX $ that I need for rent and it's been almost 3 weeks!! Calling customer support only leads them to give me scripted answers and nothing is being done so I'm left with no choice but to file a complaint for incompetence and unwillingness to give me my money and close the account.
Product: Credit card or prepaid card

I believe that Pentagon Federal Credit Union is in violation of USC 1026.53 in how they apply payments in excess of the minimum and in the last 2 months of a promotional balance transfer. They are saying that 1026.36 doesn't apply when the clear language of 1023.56 shows that it does apply. Specifically 1023.56 B1i states that when Accounts with balances subject to deferred interest or similar program are used, then " The card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment consistent with paragraph ( a ) of this section, except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances consistent with paragraph ( a ) of this section ; or ''. 

Pentagon Federal is saying this rule does not apply to 0 % interest balance transfers and are refusing to apply the payment to the transfer that ends on XX/XX/2021 and are, instead, applying them as percentages of the 3 transfer amounts. This is making it IMPOSSIBLE for me to pay off the XX/XX/2021 balance transfer before it starts accruing interest. 

They only tell me their " lawyers '' say they are doing it correctly and will never address my specific question related to 1023.56 above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I have tried multiple attempts to resolve this issue with Experian via telephone, they continuously refuse to adhere to the FCRA rules and regulations. Experian also refuses to provide me with a Method of Verification that they used to determine both the validity and accuracy of the item ( s ) that that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violations that were committed by Experian ; yet, the remaining violations are listed in my attached documents. Furthermore, due to the severity of this violation I will also be filing complaints with the FTC, BBB and the Attorney General 's Office.
Product: Debt collection

On XX/XX/2019, we send you the request for debt verification and disputation with rights given by the Fair Debt Collection Practices Act. 15 USC 1692g. 
The FDCPA Section 809 : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed. until the debt collector obtains verification of the debt is mailed to the consumer by the debt collector per requested, Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt. 
On XX/XX/XXXX letter, I have enclosed the validation and dispute letter to the Original Creditor Pursuant to NC. Gen Stat. 131E-91, patient rights receive an itemized bill including, but not limited to, all charges, and patient deposits and insurance payments with the correct name, etc.. since we did receive several bills, insurance info and medical records ( we can not disclose this information to you due to HIPAA ). 
In addition to the above-mentioned items, we have also requested your office provides me with competent evidence that we have any legal obligation to pay ( prefer a copy of the original contract or official authorization assign you or your company legally taking this action ) with the evidence for any validated detailed account statements.
Product: Credit reporting or other personal consumer reports

i reachout numerous times to XXXX XXXX equifax about fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE FCRA SEEKS ACCURACY AND FAIRNESS OF CREDIT REPORTING 15 USC 1681 { A } 15 USC 1681 I [ A ] 1 ] [ a ] the cra tha negligently fails to comply with the fcra i would like these items removed due
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX