23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have worked in the public sector on a full-time basis since XX/XX/2003. During that time and until XX/XX/XXXX, my student loans were in repayment under the graduated repayment plan. The monthly payments made under graduated repayment were more than the minimum balance due each month. These graduated payments also were well above the income-based repayment calculated by the FedLoan program when I applied for XXXX in XX/XX/XXXX, but graduated payments are not considered " qualifying payments, '' regardless of the amount paid. My income has increased steadily since my XX/XX/XXXX separation date, yet the income-based monthly payment calculated by the FedLoan program in XX/XX/XXXX is almost {$200.00} less than the monthly payments due under the graduated plan. The income-based repayment plan recommended by FedLoan does not cover the interest accrued, and therefore, I am once again paying more than required in order to prevent an increase in the principal balance on these loans. The graduated payments made during the course of the qualifying XXXX time period ( XX/XX/XXXX-XX/XX/XXXX ) would certainly be more than the income-based repayment plan amount for the same time period. What I paid under the graduated plan should apply to the XXXX program, retroactive to the XX/XX/XXXX XXXX initial payment qualification date. I obtained my payment records and they show the amount of repayment required had I chosen an income-based plan prior to the establishment of the XXXX program in XX/XX/XXXX. They are attached to this complaint. I have retained counsel regarding this issue, with the next step in the process being outreach to your agency. Any additional information which would help support this request can be provided. Thank you for your time ; I am surely not the only borrower who is seeking a fair explanation and resolution to this exact issue.
Product: Money transfer, virtual currency, or money service

I made an account with XXXX crypto trading web site. The web site said to fund the account by bank wire transfer. I sent 2 bank wires. {$700.00} and {$1000.00} and the bank transfer was registered XX/XX/2012. No funds have registered on my XXXX account. Now XXXX says I have to send them more of my personal bank information. Now I have read about many former XXXX customers being scammed by XXXX.
Product: Debt collection

To Who It May Concern, I recently received a collection letter from a collection agency dated XX/XX/XXXX. After receiving this letter, I called its office to discuss it and was told by its representative that the debt : ( 1 ) was owned by XXXX ; ( 2 ) it was for some sort of test ; and ( 3 ) that I owed {$24.00}. During that phone call, I requested a validation of the debt because I did not recognize the debt and had not received a previous bill from anyone, including XXXX. The agency indicated that it would validate the debt and mail the supporting documents to me. It also gave me a customer service number to contact XXXX XXXX XXXX XXXX in case I had any other questions. 

I called XXXX. They indicated that the bill was for services performed in XX/XX/XXXX. XXXX also indicated that it sent bills for these services to the following incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX. Finally, in direct contradiction to what the collection agency representative told me on the phone, XXXX told me that it no longer owned the debt because it had sold the debt sometime last year. Despite the collection agency representative indicating that XXXX owned the debt and could provide any help that I needed, XXXX told me that it could not help me and could not provide any details on the debt because CCS owned the debt. 

Before I proceeded with any other action, I waited for the collection agency to send documents validating the debt. I recently received that validation letter. After reviewing this letter, it is clear that it is legally insufficient pursuant to the Fair Debt Collection Practices Act ( " FDCPA '' ). The office has not actually validated the debt and did not send any documents substantiating : ( 1 ) that I owe the debt, ( 2 ) the amount of the alleged debt ; ( 3 ) that it has the right to collect on the debt ; or ( 4 ) who the current creditor is. 

The agency 's validation reads in its entirety : " In accordance with your validation request, we contacted your creditor and confirmed the following placement data is correct : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. '' It did not include any documents or substantiating information other than this " take our word for it '' statement. 

If the agency had validated the debt, it would realize that I did not live at XXXX XXXX XXXX, XXXX XXXX XXXX in XX/XX/XXXX. I never received a bill or statement for this debt. I lived at another address and had lived there for nearly two years. Since then, I have lived in XXXX since XX/XX/XXXX. In other words, it 's trying to collect on a debt that I never knew about and for which I never received a bill. This debt may be some sort of identity mix-up or accounting error for all I know. The agency should have also realized that its representative was giving out misleading, deceptive, incomplete, and incorrect information regarding the character and ownership of the debt. 

Additionally, in addition to the above FDCPA concerns, I am concerned that the collection agency is incorrectly reporting to the various credit bureaus in violation of the Fair Credit Reporting Act ( " FCRA '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, P ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$640.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$600.00}. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account below had violated my federally protected comusumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 

XXXX. XXXX XXXX Section XXXX A Section XXXX : It also States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) Section states : No consumer reporting agency XXXX make any consumer report containing any of the following items of information of information any other adverse item of information, other than records of convictions of crimes which antedates the reporting by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer 's reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received my credit report and noticed violations under the 15 US Code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ). In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance, with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have gotten any instructions from me ( THE CONSUMER ) to furnish an account on my report, it should not be there. That is a violation.I never gave written instruction to furnish any of these accounts. Secondly, according to 15 USC 1681. The law clearly states : 1. Accuracy and fairness of credit reporting.

2. There is a need to ensure that consumer credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ( ME ).

The following accounts are inaccurate and in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As a consumer, I want the following accounts to be DELETED from my credit report IMMEDIATELY : XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXXXXXX - Account # XXXX XXXX. XXXX XXXX - Account # XXXX I DID NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY OF THESE ACCOUNTS TO MY CREDIT REPORT. 
These offenses add up to Aggravated Identity Theft and Reporting Outdated and Inaccurate Information, also lying about debt validation. Pursuant to 18 U.S.C. 1028a You have knowingly possessed, used, and transferred my personal information without my permission this is a felony punishable by two years imprisonment in addition to civil liability.
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/XXXX I sent a payment ( XXXX $ ) to my step-father via cash app after he lent money to me in XX/XX/XXXX. He offered to return the money back to me if I really needed. So, I requested to keep the money and he then refunded the transaction around XXXX on XX/XX/XXXX. However, the credit never arrived. I reached out for support to Cash app on XX/XX/XXXX at XXXX, see document for photos of conversation, as the payment is usually instantaneous. 

During my initial inquiry they told me that the return can show up in either XXXX ways and to wait XXXX business days before reaching out again. I reached out to both XXXX and Cash app on XX/XX/XXXX as the payment had not arrived. I filed a dispute with XXXX XXXX  on XX/XX/XXXX and also discussed the situation with Cash App support. A Cash App employee told me the payment at XXXX on XX/XX/XXXX had failed and I should see a transaction in 1-3 business days. The claim with XXXX XXXX  was closed without my knowledge because cash app stated they successfully refunded the money. However, my bank account clearly shows that that isnt true, which chase validates. Ive already requested that they open the case and provided them with statements from employee who said the payment failed. 

I have called Cash App multiple times trying to file a dispute and show them the banking statement. Their workers will either talk in circles, hang up on me, put me on hold and then hang up, or send me the same information staying that the payment was successful. Ive made several requests to file a dispute with one employee telling me I dont meet the criteria for a dispute and refusing to share what criteria are necessary for a dispute. 

I work XXXX jobs. It takes me XXXX XXXX XXXX XXXX XXXX  to make XXXX XXXX To me, this amounts to white collar theft and neither my bank or the company will help me. 

Ive filed a complaint with the better business bureau but given the past issues with Cash App, I wanted to file with your department as well.
Product: Checking or savings account

Trying to move money out of Bank of Montreal and they will not allow me to wire money without filling out some form and waiting TWO WEEKS for them to process the form. They refuse to let me close the account and have the funds wired to another institution as well. My only choice is to take a cashier 's check which will also take one to two weeks to process or drive over 100 miles to a branch. Absolutely ridiculous!!!
Product: Credit card or prepaid card

I purchased a XXXX XXXX gift card for {$25.00} at XXXX 's XXXX   XXXX  on XXXX  and XXXX in XXXX, New Mexico on XX/XX/2020 at almost XXXX XXXX. I tried to used the card at a XXXX XXXX and was told the PIN was invalid. I just paid for my dinner with my debit card. I have contacted XXXX XXXX five times and they say they don't refund gift cards from grocery stores. I returned to the grocery store and XXXX at customer service told me that gift cards are non-refundable. I feel as though {$25.00} was stolen from me.
Product: Credit reporting or other personal consumer reports

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX  theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Product: Mortgage

Hello, I have had problems paying my mortgage for 3 years now They have me paying only one person Asset XXXX XXXX XXXX, ( XXXX ) Ext XXXX. I constantly call him no call back for months for over a year now and I reported this to Division of Consumer Finance who referred me to you as they told XXXX they didn't receive my calls to pay also again this has been over time since they had my loan, I paid $ XXXX in 2 month time and $ XXXX of this towards my principal balance. They reported to XXXX at XXXX XXXX which she was copied on all emails and phone calls to them. This is the XXXX time I had to report them usually they then respond and add all kind of fees making it appear as if I missed months of payment when I was not able to reach them to make the payment. XXXX XXXX is known for doing clients like this for years where other homeowners such as myself is forced to sell because of this tactic. They also placed me on XXXX XXXX XXXX making me pay for a policy that's in their name and the asset XXXX XXXX XXXX states he can't tell me who the insurance is with although I pay it I still don't have insurance they do, and I just pay for it every month. They are not informing me of where my payments are going. I paid $ XXXX in XX/XX/year> then I paid {$3600.00} in XX/XX/year> to catch up on payments after they avoided my calls and emails. Then I paid another $ XXXX in XX/XX/year> towards the principal and they applied {$13000.00} stating I was behind still, when I had just caught up after XXXX XXXX Called me when I reported it, they didn't know I was online viewing, but it would not let me pay it, then they locked me out. XXXX XXXX with XXXX XXXX ( XXXX ) she gave me your number and told me to contact you regarding this as she asked them to call me I been trying to reach them after XXXX paid in XX/XX/year> and XX/XX/year> and when I called XXXX he never called back this was last Month XX/XX/year> they are in California, but no excuse I can only pay XXXX Asset XXXX XXXX XXXX who states he received no calls or emails from me and I have all my emails logged with Consumer Finance I copied XXXX for back up. They have been discriminating against me since they had my loan, I been in my home 23 years they have had the loan only 3 years. Please assist me with this it's not right for me and my minor child to be forced to sell our home after paying all these years and paying earlier this month over $ XXXX.
Product: Mortgage

On XXXX XXXX, 2017, Nationstar Mortgage, without my permission, checked my credit report. I have no idea why they are nosing around in my personal, private credit report and would like to know what gives them permission to violate my privacy. I did not apply for a mortgage with that company. They have no right whatsoever to just check it anytime they want to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a complaint with number XXXX in regard to Experian reporting incorrect information on. my credit profile. 

On XX/XX/2020 Experian responded in a nonchalant manner and requested information i have already supplied them weeks ago. In addition, Experian is accusing me of using a credit repair service and will not stop reporting incorrect information.

I'm very educated on the Law and i wont let Experian get away with this none sense. I have already sent a copy of my ID, passport, social security card to Experian with a bank statement. I have all my previous letters that i will upload to this claim again so Experian can have some common sense and remove this incorrect information immediately.
I Know Experian is breaking the law by ignoring my previous attempt and has all the information required but they are not able to verify the accounts and has yet to provide me any supporting documentation. I have Experian online monitoring and my identity has been verified and my correct name is shown on Experian 's online portal. I will not back accept nor tolerate these comical games Experian is playing. I will keep reaching out until all the requested accounts are removed from my credit profile immediately. If i have to complain everyday, file a lawsuit, or call i will not tolerate this at all. I will request that Experian
be fined {$1000.00} for each account they are reporting incorrectly on my behalf.

Like i previously stated in my letter that i will re-attach all previous correspondence. Delete these accounts immediately. I have sent my final letter to Experian vis USPS first class mail with tracking number
Product: Credit reporting, credit repair services, 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 USC 1681. 


XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 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 convictions of crimes which antedates the report by more than Seven years.
Product: Debt collection

Someone from from telephone number XXXX XXXX said he was from Smith Cohen and Rosenberg contacted me today on XX/XX/2020 and said I owed him money. 
When I informed the caller I did not owe his company any money he made verbal threats towards my life ordering me to pay or else. When I gave him a verbal cease and desist order, he said we were not done.
Product: Money transfer, virtual currency, or money service

( On the Coinbase exchange ) I withdraw {$7100.00} on  XXXX / XXXX /   17  and got email saying I would receive funds to my bank account on  XXXX / XXXX / 17  I never received anything I have email coinbase support dozen times with no response ... please help
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

I received a call from a company claiming to be representing Check N Go stating that I had an outstanding loan that was taken out in XXXX of XXXX and that they are calling to collect the debt. This is totally bogas. It is XXXX and in 6 years this is when they start calling me. I have never heard of this check n go company before. They called me today XX/XX/XXXX from a Utah number. I dont know what is going on and it troubles me and I dont know what to do.
Product: Debt collection

I XXXX college in XX/XX/XXXX and left XXXX, XXXX to attend XXXX XXXX XXXX training in XXXX, XXXX. Five years later in XX/XX/XXXX, I received a letter from the National Credit Audit Corporation ( NCAC ) saying that I owed {$270.00} for damage that had occurred to the apartment that I was living in while in college. I took the letter to my legal department because it seemed weird that an agency would contact me almost five years later about a claim that had materialized out of thin air. My legal department advised me that it was probably a debt collector scam that they unfortunately see frequently with military members due to the frequent moves inherent with military life. Legal told me to respond asking for more information about the debt assuming that it would fall by the wayside. NCAC responded with an itemized list of maintenance charges ( from XXXX XXXX properties, the apartment complex that I had previously lived in ) that I had never seen before. The list was dated a full month before I had supposedly vacated the apartment and yet I was only seeing it for the XXXX time five years later. When I had vacated the apartment in XX/XX/XXXX, it had been under good standing with the rental company ; I understood that I would not be getting the full amount of my initial deposit back because it was standard practice to repaint the walls and have the carpets cleaned using the initial deposit. I again consulted my legal department who, after some research found that XXXX XXXX properties and therefore NCAC, were in violation of Title VI Chapter 83 section 83.49 paragraph 3 ( A ) of the XXXX Statutes which states " the landlord shall have 30 days to give the tenant written notice by certified mail to the tenant 's last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim.If the landlord fails to give the required notice within the 30-day period, he or she forfeits the right to impose a claim upon the security deposit. '' XXXX XXXX properties failed to notify me within 30 days, much less via certified mail to my last known address, which was provided, and so in my opinion, the debt for damages ( that seem to have materialized when I was not around to contest them ) is not a valid claim.