23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX, I received a call from Discover Student Loans and they inform me that my loan was about to be charge - off due to a lack of payments.Because I could not afford to pay the minimum amount ( {$700.00} per month ) required Discover Student Loans and I was only paying {$100.00} - {$200.00} per month due to my income, my co-signer and I were informed that I needed to make a payment of {$400.00} in order to avoid the loan to be charge - off.

A payment of {$400.00} made in XX/XX/XXXX as requested and but few months later I was informed that my loan was charge-off. In addition, I called Discover Student Loans and I informed them that I was planning to go back to school on fall XX/XX/XXXX and I was told that as long as I am enrolled in school, I did not need to make a payment. And I would have to make payments again after the end of the semester. I attended fall XX/XX/XXXXsemester at XXXX XXXX XXXX XXXX.

After the fall semester ended, I went to Discover Student Loans in XX/XX/XXXX to make a payment and the blocked my account and I could not make any payment. Few days later, I started receiving multiple calls from Discover Student Loans and they informed me that my loan charge - off. Thus, I explained that I made a payment in XX/XX/XXXX and I was in school on Fall XX/XX/XXXX and my student loan should never have charge - off.

They promised to investigate and let me know that outcome, but they never call or email the results of the investigation. Few days later I ran my credit report and Discover Student Loans incorrectly reported my loans as delinquency.Thus, I called Discover Student Loans and I reported to them that I was receiving conflicting information from Discover Students Loans and it was creating problems on my side. I requested a written clarification and they informed me that the would send me via email, but I never received anything. Then, I received a call again from Discover Student Loans threatening me with a court action. According to them, Discover Student Loans was preparing to send my file a lawyer and they would not have control of the case if it goes to a court. And they requested me to make payment equivalent to {$700.00} per month which I can not afford. I requested a lower payment and they put me on hold for 20 + and they informed me that they could not do anything but the were going to transfer to a different department to negotiate a lower monthly payment. But I was told that the " department was close '' in the middle of the day.

I account was unblocked after I complained and I was able to make a payment of {$200.00} onXX/XX/XXXX.I was not able to make payment in XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXXbecause they was blocked.

I received the loan in XX/XX/XXXX-XX/XX/XXXX to cover my schools expenses at XXXX XXXX University. The total was {$40000.00} and today the balance is {$74000.00} due to extremely high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. 
Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX XXXX , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a security freeze on my SageStream credit report. I did not request it. It was added fraudulently. I'd like it removed. I'd like to know how someone else was even able to have it put on there.
Product: Debt collection

During a check of our experion credit report we found that it was falsely reported that we owed a {$2.00}, XXXX bill to XXXX. This was reported by I.C. System Inc.the date of the bill was reported to them XX/XX/2021. We have had no business dealings with XXXX in the last 12 years and all of our bills were paid in full. We called XXXX and they know nothing about the bill. We called I.C. Systems and they refused to discuss the matter because the name on the bill isn't ours. XXXX tells us we have to talk to the creditor.
Product: Debt collection

on XXXX XXXX this company Scott & Associates , P.C . sued me on a time barred debt.According to the lawsuit the plaintiff claimed that I owed {$2600.00} this is false. 
This account and debt have been disputed and most of all, the account and debt according to my record is time barred. The last payment I made on this account was on XX/XX/XXXX. That is 4yrs which  is more than 4yrs the Texas status of limitation is. 

The statute of limitations " clock '' starts ticking on the date of last activity on an account. Typically, this is the date you last made payment. According to Texas statute ; civil practice and remedies code, XXXX. the status of limitation in the great state of Texas is 4 YEARS. 

The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from bringing a suit or even threatening to sue you for a time-barred debt. This law the plaintiff just violated. 
And also, by making me go to the court while the nation has a stay at home going on because of the corona virus, this company put my life and well-being at risk by bringing this bogus case. Also, wasting the court time when they do know better that the case they bringing is time barred
Product: Credit reporting or other personal consumer reports

I appreciate how you assisted in REMOVING a portion of the fraudulent data in my credit file, however, there are still accounts that should be deleted or blocked. FCRA section 605 requires you to destroy any records detected on an ID THEFT REPORT. This report was mentioned in a recent letter, so I'm including it again. I've notified my attorney of my plans, and they are eager to hold you accountable for your tenacious defiance. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Student loan

XXXX ( approx date ) Called Sallie Mae to try and resolve repayments. Was sent to a loan specialist to give my information and the best they could say was try and make payments when you can we dont report to the credit bureau until 60 days. I asked about forbearance and they stated my loan was not eligible without giving me any criteria on why. Informed them multiple times that I could not pay, I was going through economic hardship. Unsympathetic to my concerns and passed it off. Made payment arrangements for {$230.00} to try and pay my loan down but at the third month I did not have the funds and they called me on XX/XX/11 to tell me I wasnt in the program anymore. 

XXXX Let the representative XXXX know I couldnt not afford payments at this time and once again asked for a forbearance. I was told I was ineligible without any documentation or evidence. Told her I could afford {$25.00} and she remarked I asked for a {$35000.00} loan and {$25.00} wouldnt cut it. Proceeded to tell me about her daughter which did not pertain to me. Repeatedly told her I couldnt pay and needed a forbearance. Was repeatedly shut down. Told her it would have to go delinquent as they are giving me no choices for repayment or forbearance even when it stated that they have that option. Asked to speak to higher up and repeatedly denied. Hung up. 

XXXX : They have been calling my family and people I no longer affiliate with asking about my whereabouts after I told them that I would not speak with them. They are being of no help at all to help me in my hardship.
Product: Mortgage

I applied for a loan modification. Bank of America sent me a letter dated XX/XX/2016, approving a loan modification. The modified payment amount is {$2200.00}. Please see attached letter. I mailed the first trial payment of {$2200.00} to Bank of America, N.A., Payment Processing, XXXX. XXXX XXXX, XXXX, TX XXXX. Bank of America received the first trial payment amount before the due date of XX/XX/2016. Bank of America sent me a letter dated XX/XX/2016, which stated that my first trial payment of {$2200.00} was not being applied and was being held " in an unapplied funds account. '' Please see attached letter.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Credit reporting or other personal consumer reports

Complaint Against Experian for Failure to Verify Late Payments Issue : Experian failed to properly investigate and verify the accuracy of late payments on my credit report. 

Details : I disputed late payments on my credit report and requested Experian to verify their accuracy. 
Experian has not provided proper documentation proving that the late payments were accurately reported. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I have the right to receive the " method of verification, '' including : The name and contact details of the entity that verified the late payment.

A detailed explanation of how Experian conducted its investigation.

The specific documents used to verify the accuracy of the reported late payments.

Experian failed to provide this information and continued reporting the late payments without proper verification.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. I use Zelle biweekly and would hate to know that I was not protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement I have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above inquiries is unauthorized and should be disputed from my XXXX XXXX and all 3 Credit Bureaus Experian XXXX And XXXX Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acct XXXX XXXX  amount owed : {$21000.00} XX/XX/XXXX XXXX XXXX XXXX, acct # XXXX amount owed : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has violated my Federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 sec 602 A, state that i have a right to privacy.

15USC section 604 A section 2 it also states a consumer reporting agency can not furnace a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states, no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information other than records of conviction of crimes, which antedate the report by more than seven years 15USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer any reporting consumer agency if the person knows or has responsible cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Coinbase Compliance KYC team ( XXXX ) started sending me emails on XX/XX/XXXX requesting me sensitive documents in order to avoid getting my Coinbase 's account restricted. 

These were the requested documents : 1. Please provide additional details around your current or previous occupation/any businesses you own/are involved in. Please also provide supporting documentation, eg. a payslip issued within the last 3 months or a letter from your Human Resources department confirming your employment. 
2. Please confirm the source of funds deposited into your Coinbase account and provide us with supporting documentation, ( e.g. a payslip, statements from other exchanges, loan agreement, credit card statements, screenshot of transactions from an unhosted wallet. ) 3. Please confirm the primary source ( s ) through which your overall wealth/net worth was generated and provide us with supporting documentation ( e.g., a pay slip ; brokerage/investment statement ; home sale document, probate or conveyancing document, copy of Will, Grant of Probate, Gift Letter etc ). If your source of wealth originated from investing in crypto or other investments, please provide additional supporting documentation showing the initial investments resulting in your wealth.

4. Please provide us with 3 months worth of bank statements, issued within the last 4 months. 

This kind of emails are suspicious and look like phishing to my eyes and experience, so I ignored them even though Coinbase Compliance team sent me remainders every 5 days. 

On XX/XX/XXXX I've got my account restricted, and I realized that those emails were legit and should have been taking in consideration, so I proceeded to send all the information and documents on XX/XX/XXXX, following their steps : 1. Upload documents to our secure SendSafely portal https : XXXX {! Case.CaseNumber 2. Use the same email address that's associated with your Coinbase account 3. Use a desktop browser ( XXXX XXXX works best ) rather than a mobile browser if possible First response was on XX/XX/XXXX, asking me for the same documents again. 
The second response was on XX/XX/XXXX, it was a 5-day reminder asking for the same documents again. 
Third and last response was on XX/XX/XXXX, it was what it looked like a default response telling me they'd received my documents, so I had to wait. 

So after 11 emails sent asking for updates or information, that's all I've got. 

My account remains restricted after providing the requested documents 31 days later.
Product: Student loan

A few years ago I had a private student loan payment with a debt collector called XXXX XXXX. It went to a debt collector because XXXX XXXX XXXX went out of business, and I was unable to locate them to set up repayment after I graduated. I paid XXXX XXXX XXXX for a little over 10 years, and no interest was accruing at the time. I had to get a new debit card, and unfortunately my payments were being taken from my old one, so I defaulted. I called to set up payments as soon as I realized a few weeks after the missed payment, but they had already sent it to another collection company, EOS CCA. EOS CCA sent me a bill for thousands of dollars over the amount I owed with the previous company, so I stopped payment with them, and requested the promissory note they have on file. It shows that I only had a loan for {$10000.00}, which is the amount I had already paid to the previous company. They are claiming that the over {$13000.00} they are trying to charge me is for interest. I sent them a dispute letter, along with all of the documentation I have as far as payments I made the the previous company and the promissory note via fax and mail. I received another bill from them this year, for a much higher amount, and I called them in XX/XX/2022 to ask about the balance, and tell them that I had already provided them with documentation that says I do not owe this money. They want me to resend it, and I am confident they are going to keep " not receiving '' my dispute documents until I get someone else involved. They refuse to contact the previous company for the payment information, and to put it on my credit report so I can send the documentation to XXXX  for a proper dispute.
Product: Mortgage

I am contacting your office to file an official complaint against Ocwen Loan Services, LLC. in regards to my current mortgage. This has been a ongoing problem from XXXX. Ocwen has continues to add corporate advance fees for service related expenses. In my case, these expenses are doubling, and sometimes tripling in the same month, for the same things. Such as, Property Inspection, Property Maintenance Expenses, and Certified Mail Costs and Property Evaluation expenses. 

I am aware that my loan is delinquent by two months. However, these costs are outrageous, unfair, deceptive, and abusive acts and practices which has driven my mortgage to almost {$11000.00} in extra fees. I have contacted Ocwen about these charges asking that they show proof as to why all of these charges and expenses are occurring on my account. 

The latest expense report received from Ocwen was on XXXX/XXXX/XXXX, for property maintenance expenses totaling {$1200.00}. Also on that same date, I received another property maintenance expense in the amount of {$260.00}. Additionally, there was also another property maintenance expense in the amount of {$24.00}. These are just three of the five ( 5 ) EXAMPLES of an ongoing situation throughout the loan. 

I am attaching supporting documentation for your review of numerous invalid charges that can not be supported by this company 's actions. After exhausting all of my options with Ocwen in the past, from loan modification, to a short payoff settlement offer, I have had no success in dealing with this company. They have lied, and I have additional documentation supporting this. My main concern right now is to have these extra expenses deleted from my account. In this effort, It is my hope that assistance is received and justice is fully served under the Federal Consumer Financial Law. 

I am XXXX XXXX XXXX and do not have access to computer. Therefore, I would like all of my correspondence mailed to me at the following address : XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Money transfers

Case number : XXXX I just sent you complaint but with wrong information on : What company was used to send the money? There is my company name, but should be : Chase JP Morgan United States Sorry for the mistake. 
Below is description : On XXXX I found on XXXX the XXXX. They offer good price for XXXX XXXX XXXX XXXX XXXX. I ordered from them XXXX kilograms for {$1000.00} per kilogram plus {$250.00} for shipping. On XXXX I sent them {$2300.00} by wire transfer. 
After the payment I wait and no shipping confirmation with tracking number from them. I searched on the Internet about this company and found that they cheat people. XXXX of harmed people ordered XXXX tone of chemicals, and he received only XXXX kilograms. In addition the shipping was labeled on other chemicals : http : XXXX I did not received From them any package. 
I asked banker for reverse my money I got from them case number : XXXX. 
On XXXX, XXXX I received call from XXXX and a man from Chase bank told me that he calling regarding this case. He said that he will do this and I must self call to XXXX and demand reverse the money.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I signed an treatment acceptance and payment arrangement form from XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX, Florida. This agreement contained terms concerning some major dental work which was consummated by this agreement. Total responsibility {$5200.00}, of which I paid {$2600.00}. I made the decision to pay half and finance the other half after being offered an interest free loan through XXXX XXXX XXXX. I was told explicitly, the terms would remain in effect unless I default on a payment. At that time, I would be assessed finance charges. Wishing to enhance my credit file, I elected to finance {$2600.00}. In that time period I was always on time and paid my monthly balance as soon as the notification e-mail came in. On XX/XX/XXXX I was debited XXXX and finance charges began to accrue. I continued to pay my payment while I awaited proof of my agreeing to the terms of this deal. 
In essence, in XX/XX/XXXX, my balance was {$970.00}. I kept seeking a remedy for this and paying the payments, yet until I reached my point of intolerance, my balance now exceeds {$1400.00}! I find this punitive and predatory. Trying to enforce an agreement that was never in force.
Product: Debt collection

A company by the name of National Principal Group contact myself and several of my family member leaving a threatening recorded voice message. I spoke to XXXX of their " representatives '' all of which claimed I owed a several hundred dollar balance on a pay day loan, which I had never taken out. Each time I contacted their offices to request emailed documentation of the alleged debt, I was assured that it would be sent. Finally, after XXXX attempts to recieve this email, they sent a generic password protected email. I called back to question how to open the attachments, and the office manager hung up on me. I called back XXXX more times, and was hung up on XXXX times. I believe this to be a fraudulent company.