23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out a XXXX loan in XXXX as part of my student loan packageto attend XXXX school. Following completion XXXX, the great recession hit and I struggled to find work and eventually landed a job that required me to take a pay cut from my previous career XXXX. 

I fell behind in my payments and my loan fell into default. 

After a few years of struggle and penny pinching, I successfully rehabilitated my student loans ( and paid off $ XXXX in credit card debt ). 

For some reason, this loan was ineligible to be rehabilitated. The University sold this loan to an agency who then sold it to a collections firm. Since XXXX, the collections firm has filed suit against me to demand payment on the loan. I have sent payments over the years but the collection agency refused to issue me anything in writing. I consolidated my federal loans in XXXX of this year and put to include this XXXX loan in the consolidation. At this same time, the collection firm stopped auto withdrawls from my bank account. 

Without ANY notice, emails or letters, the firm seized my bank account claiming I had not made payments. Apparently, after they filed suit on me in XXXX ( to which I responded by setting up a payment arrangement ), THEY went to court and did not tell the judge about the payment arrangement ( they told me I did not need to go to court ) and a default judgement was entered against me. 

When I recently went to remove the bank lien. The law firm/ collection agency agreed, in front of the judge, under oath, to set up a payment arrangement. 

WHen I called a few days later to begin setting up the payments, I was told that they would not set up a payment plan and demanded the money in full. I do not have that kind of money so I asked them what payment plan would be accaptable and they requested an amount that was over 30 % of my take home pay. I asked them to work with me and they refused -- telling me to go borrow money from friends or get a bank loan. 
I filed a complaint with my XXXX and within 24 hours, the firm ( using the XXXX judgement ) sent a letter to my employer demanding garnishment of my wages. 

The firm, on several occasions, lied to the judge about their communications with me and refused to work with me. I do n't understand why this Federal loan was excluded from my right to rehabilitate in the first place.
Product: Debt collection

On XX/XX/20, I discovered a past-due balance on my credit report, from XXXX XXXX  for the " XXXX '' Credit Card for {$9.00}. I never authorized this charge. I called XXXX XXXX at XXXX, and eventually spoke with XXXX at approximately XXXX XXXX XXXX on XX/XX/20. She refused to provide any ID number, or any other identifying information. I told her I saw the past due amount on my credit report and never authorized these charges on my XXXX XXXX credit card. And that I needed the unauthorized charge reversed, and the past due amount reported to the credit bureau retracted, as it has significantly lowered my credit, at a time when I need credit. 

She stated that most XXXX XXXX " XXXX '' credit card holders don't realize that XXXX automatically starts charging XXXX services to the customer 's XXXX XXXX credit card, because they are partners. She also refused to file a dispute for the unauthorized charge, and instead said that she could transfer me to XXXX. She then transfered me to a " XXXX, '' who intentionally or unintentionally hung up on me. 

I have been harmed in the form of a significantly lower XXXX XXXX at a time when I need credit, in the midst of a crisis, and XXXX XXXX has refused to allow me to exercise my rights as a cardholder to dispute the charge and the reporting. In addition, it appears XXXX has refused to allow me to exercise my rights as a cardholder to increase their own profits and collude with their partner to XXXX to provide them preferential treatment over other retailers, and over their cardholders. 

1 ) I believe XXXX and XXXX XXXX have colluded to increase usage of their credit card by automatically charging XXXX products/services to the customers ' XXXX XXXX credit card, without their knowledge. ( Either without permission, or sneakily buried in the terms and conditions somewhere ). The first customer service representative I spoke with confirmed that most customers don't know this happens and find these surprise charges on their XXXX XXXX credit card. 

2 ) XXXX XXXX refused to allow me ( a credit card holder ) to exercise my rights as a card holder, in order to provide favorable treatment to their partner, XXXX. When notifying XXXX XXXX of the unauthorized transactions, the customer service representative, rather than filing a dispute of the unauthrorized transactions, she offer to transfer me to XXXX. 

3 ) In addition, XXXX XXXX XXXX XXXX make it very difficult to view balances, pay the credit card, or do anything else, without an XXXX. 

I would like what I originally asked : 1 ) The {$9.00} charge to be removed, because it was not authorized by me. 
2 ) The past due balance report to the credit reporting agencies to be retracted 3 ) {$37000.00} in compensation for the harm to my credit score and inability to obtain credit, when I need it most, during a crisis. 

More broadly, it would be helpful if the CFPB investigated the deceptive, " bundling/tying '', and unfair practices that have been perpetuated by the relationship between XXXX XXXX and XXXX, to their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX
Product: Debt collection

I was notified by a National Credit Systems , Inc, a collection agency, that I owe a previous apartment rental balance of {$2500.00} as of XX/XX/XXXX. I visited with the apartment manager and continued communication with them via email. It was determined that due to their change in ownership, files were lost or misplaced and they reported that I did not move out until XX/XX/XXXX. It was then verified that I actually moved out on XX/XX/XXXX and I obtained a photo copy of my turned-in apartment key with the leasing agent 's signature. Via email, it was confirmed with the assistant community director that the correct owed balance is {$920.00}. The final account statement was forwarded to me as a pdf file on XX/XX/XXXX. 
As I was advised by the apartment staff that this updated information would be forwarded to the collection agency, I waited up to 60 days for this change to be made with them. However, the incorrect balance was reported to the credit bureaus as a debt. I then received a typed letter from them dated XX/XX/XXXX that indicated I still owe {$2500.00}. Attached to their letter is a copy of the exact final account statement that I received from the apartment staff, which indicates that they forwarded the corrected information to the collection agency. I contacted the collection agency on XX/XX/XXXX @ XXXX. I spoke to XXXX who advised me that they have a settlement amount of $ XXXX. I advised the agent of the letter I received from them and he told me I need to send them a copy of the letter I received as proof. I offered to pay the correct balance that I owe in full if they would update the debt amount shown on my credit reports. He declined and stated they need to receive the settlement amount. I never agreed to a settlement amount with the collection agency nor the apartment staff. 

I am still being contacted by the collection agency for the incorrect balance. Last call from them was XX/XX/XXXX @ XXXX XXXX.
Product: Student loan

I have been unable to access your website for 4 months ever since they have switched to a new web platform. The only way I can make payments is by calling. This means I am unable to see what I owe beforehand, having to find out after calling which puts me in a difficult situation as I am normally on hold for 2 hours generally and can not prepare the amount needed beforehand, I just have to guess. I have tried everything but no luck, even trying to create a new account on their website, and can't continue to two hour calls every week just to be told there is no solution to get access to the website resolved. I was informed the ticket was closed however issue is still not resolved and I continue to get an error every time I log in preventing me from seeing my loan details, getting my tax information, etc. I have reached out to everyone I can but they refuse to assist me
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card

Chase has now repeatedly failed to respond to a single one of the points made in my dispute and is neglecting its responsibility under the FCBA to conduct any investigation into the propriety of a charge. My response to Chase is attached. In it, I made 4 separate points, none of which Chase addressed. First, I dispute that any damage occurred to the car I rented. The merchant, whose employees were irate because I refused to wait in their office indefinitely to hand over the keys due to their understaffing, was not available to do a walk around of the car with me, and I left. Later, I was emailed a single picture of damage which does not even show the license plate or ensure it was the same car I rented, and my card was charged when I was not present. Second, I dispute that the damage occurred to the car while it was in my possession. The merchant 's parking area is in a busy throughway and the damage was reported well after we parked. Third, the merchant never provided a copy of the contract which would allow a XXXX XXXX  administrative fee to be charged. The copy of the contract does not provide for a XXXX XXXX  administrative fee. Chase is allowing the merchant to charge my card whatever the merchant wants. Why not a XXXX XXXX  fee? Why not XXXX? Apparently it doesn't matter to Chase what the contract says. Fourth, the copy of the contract the merchant provided did not allow for the XXXX XXXX  loss of use fee, and the merchant provided XXXX substantiation ( such as usage logs ) that a broken tail light cover would've required the car to be out of service for two days XXXX  beyond the simple incredulity that a repair would take that long ( or that the repair was ever actually performed ). I'm afraid to use any Chase card again since a merchant seems to have an unlimited ability to charge amounts in excess of contract, and I've opened a new card to shift my business to. This is not the first time I've had this problem with Chase or this merchant charging in excess of the price written on a contract, and Chase refusing to do anything about it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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 card or prepaid card

i overpaid my acct, call few weeks ago they where supposed to send a ck
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account, has violated my rights. 

15 USC 1681 SECTION 602. A. states I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction 15 U.S. Code ( A ) subject to section 1681s3 of this title, any 15 U.SXXXX Code 1681b - Permissible Purposes Of Consumer Reports 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies 15 U.S. Code 1681n - Civil Liability For XXXX XXXX 15 USC 1692j. Furnishing certain deceptive forms
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX XXXX  XXXX XXXX willfully misreports my " current correct address '' to all credit bureaus XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXX  XXXX XXXX willfully misreports my balance of my credit card and allows unauthorized charges to be charged to my credit card, in spite of many warnings ( XXXX ) XXXX did not remove the unauthorized inquiry from in spite of many warnings
Product: Consumer Loan

Received a Collection notice from Company called Afni for an account that is been paid and closed for 10 years. They said they represent XXXX. a XXXX we have not done business with for 10 years. We have been with XXXX for 10 years. The person that called us said he was a collection agent for Afni and that they could make our life miserable until we pay them, they claim they bought the bad debt and will collect. They demanded I send them {$220.00} immediately or the bill would go up.
Product: Debt collection

In the past two days, I've received three voicemails from Medicredit stating that I owe a past-due debt to XXXX XXXX XXXX, although I paid all of my co-pays directly to XXXX. I haven't visited the medical center since XX/XX/2018 and the last bill I received from XXXX was {$100.00}, which was paid in full to the medical center. Since then, I've gotten calls -- sometimes, daily -- that show up as " Account Services. '' Today, after checking my voicemail, I was able to distinguish a connection between some of the random phone numbers and Medicredit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : ON THE POLICE XXXX ATTACHED TO MY CASE, THE OFFICER CLEARLY STATES THATN INST H XXXX XXXX IS A FRAUD ACCOUNT IF YOU READ THE DOCUMENTATION ON POLICE REPORT! PLEASE AND FOR THE FINAL LAST TIME DELETE & BLOCK THIS ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX. THIS ACCOUNT WAS ALREADY DELETED LAST MONTH OF XX/XX/XXXX BY TRANSUNION, THEN TRANSUNION LET THIS COMPANY REPORT ON MY CREDIT REPORT AGAIN XX/XX/XXXX WHICH IS ILLEGAL! AND MY RIGHTS HAVE BEEN VIOLATED!. AND DEFAMATION OF CHARACTER!. PLEASE STOP ALLOWING THIS FRAUDULENT IDENTITY THEFT ACCOUNT/COMPANY TO STOP REPORTING ON MY CREDIT REPORT. THIS ACCOUNT IS NOT ALLOWED TO REPORT ANYMORE, AND IS NOT MY ACCOUNT. 
THIS IS MY FINAL LETTER CONCERNING THIS ( FRAUD ACCOUNT ) BECAUSE OF IDENTITY THEFT, XXXX XXXX XXXX XXXX XXXXXXXX. *.I DEMAND THIS ACCOUNT BECOME DELETED OFF MY CREDIT REPORT! * Please remove this fraudulent item for the final time because of identity theft.. I'm demanding that this fraudulent account be removed blocked and deleted the final time permantly never to return or I will be forced to sue in the court of law!. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 
THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .does not belong to me. Delete & BLock immediately! 




Collection Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX  XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I received service from a legit on line company to service my computer during the pandemic and it was legit and they fixed my computer. I received and e-mail early XXXX saying that my service would be reinstated for XXXX years at {$1000.00}. So I called the number provided and they said my contract was not up yet and they would give it a thorough check for free. All along I thought it was the legit company so I let them in my computer. The next thing I know my screen went black. It is an older computer so I didnt think much of it so I waited a couple days and took it to XXXX that is when I found out my checking account was emptied. Notified Chase Bank in XXXX XXXXXXXXXXXX XXXX on XX/XX/XXXX or so and no response since. He told me he was going to call me last XXXX but he has been dodging me ever since. I went in the office and they claim he was in a meeting and would call us back today. No response.
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, according to 15 USC 1681. 

Account XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 

Account XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 

Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 602 A Section 2L states that a consumer reporting agency can not furnish an account without my written instructions/permission.

15 U.S.C 1681c ( a ) ( 5 ) Section States : A consumer reporting agency can not make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of conviction of crimes, that antedates the report by more than seven years.

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

Dear Sir/Madam, I am writing to seek help with resolution of an issue with Suntrust Bank. In brief, I closed an account with Suntrust approximately 2 months ago. I was assured that a check would be sent to me with the existing funds ( ~ {$3400.00} ). When nothing was received, I contacted Suntrust, which confirmed that a check had been sent. I receive mail every day. While puzzling that the check was lost in the mail I gave Suntrust the benefit of the doubt. Suntrust ( customer service ) assured me XXXX XXXX XXXX that a new check would be sent. Again, nothing was received. I proactively contacted customer service again this week XXXX XX/XX/20 XXXX. During the call, the customer service representative investigated and reported back that a check was not indeed sent. Rather, a form would be needed to obtain a new check. They insist that the form be taken to a branch of Suntrust. I complained sufficiently that they emailed me the check rather than forcing me to go to a branch to pick it up. I have several problems with how this has unfolded. 

Foremost, given that this is the 21st century ( not to mention a pandemic ), there are a myriad of different ways in which those funds could have been returned ( including electronic transfer ). This seemed deliberate in its intent to stall the return of my funds. 

Second, their process deliberately relied on my actively pursuing them for the return of the funds. I asked the customer service representative directly : what would have happened had I not continued to contact the bank? Again, this seems highly problematic. 

Third and most importantly, I still have not received the funds, 2 months after closing the account. The bank has collected interest and inconvenienced me, while arbitrarily inserting obstacles to what should be a very simple transaction. The form is unintelligible and does not apply directly to this transaction i.e. it requires a notarized statement that something was lost. Again, there is no utility to this outside of prolonging the process. Specifically, there is no risk of duplication as Suntrust has already verified that no check was ever cashed and the bank is able to cancel the original check assuming one was really dispersed. I am frankly skeptical it was ever sent. 

Any help in resolving this is appreciated. 

Sincerely XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  | XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX