23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i sent letter to them on XXXX, about this alleged debt that i do not owe. this is the information that i requested : XXXX. Original Contract : A copy of the original contract or agreement bearing my wet-ink signature, which is the basis of the alleged debt. 
XXXX. Proof of Ownership : Documentation proving your legal ownership of the debt, including the complete chain of custody from the original creditor to the current creditor. 
XXXX. Full Accounting Records : Detailed accounting records of my account, both public and private, maintained according to Generally Accepted Accounting Principles ( GAAP ). This should include a comprehensive history of all transactions and charges applied to my account. 
XXXX. Affidavit : An affidavit affirming that a contract exists between me and your organization, including the terms of the contract and any other pertinent information.
Product: Credit card

Fraudulent charges by American Express Travel Insurance were made on my American Express Card. I purchased airlines tickets on XXXX different airlines for myself and a friend, on XXXX XXXX, 2015. When I viewed my statement there was several charges for baggage, travel delay and accidental death. I contacted the company and told them multiple unauthorized fees were charged for a non-covered person and myself. I was told effective XXXX XXXX, 2015 anyone traveling on my account would be covered. I never received a notification regarding the new rules. After speaking to several people the baggage and travel delay charges were removed but to this day they have refused to credit my account for the ( XXXX ) Accidental Death charges. Insurance Representatives claim they received airline charges after XXXX XXXX, 2015. I believe my airline charges were deliberately withheld until after XXXX XXXX. I have spoken to several people and emailed an executive at American Express who has not responded to my email. A couple of representatives I spoke with by phone went out of their way to help me get a refund on the AD & D as I had for the other charges but were unsuccessful in getting a refund from the Insurance Division. I have been a long term customer of American Express and have never encountered a problem, any concerns bought to their attention were promptly handled.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Premier Student Loans, a third party loan servicer, misled me and lured me into a fraudulent repayment scheme that has unfairly and unnecessarily cost me thousands of dollars.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is being reported incorrectly on my XXXX, XXXX, and Transunion accounts. 

They are reporting payments to XXXX XXXX XXXX  on XX/XX/XXXX. They are also reporting the account has been transferred and no longer collectable by XXXX XXXX XXXXXXXX. They are reporting the vehicle was repossessed XX/XX/XXXX, that date is incorrect the vehicle was sold at an open auction XX/XX/XXXX. The terms reported by XXXX XXXX XXXX  are also incorrect. They are reporting a 4 month term. XXXX XXXX XXXX  doesnt have a contract with me. i contacted the credit bureaus for the last two years about this account. it remains on my credit report and per - 15 U.S. Code 1601 this is a violation of my rights
Product: Checking or savings account

I am making a complaint against Bank of America and XXXX for decisions they have made to ban or limit banking services specifically related to the manufacture, sale, purchase, including financial transaction or account services for the firearms industry, retailers, and consumers. 

My specific complaint against Bank of America is that they intend to stop lending to firearms manufacturers. My complaint against XXXX is that they are essentially creating their own laws according to their XX/XX/2018 blog post : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : ( 1 ) they dont sell firearms to someone who hasnt passed a background check, ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and ( 3 ) they dont sell bump stocks or high-capacity magazines. This policy will apply across the firm, including to small business, commercial and institutional clients, as well as credit card partners, whether co-brand or private label. '' XXXX is additionally discriminating against manufacturers by applying the same invasive rules to lawful and constitutionally protected activity. 

For federally regulated entities to actively suppress lawful activity, constitutionally protected activity, is, in my opinion, a breach of banking regulations and discriminatory. At the very least, it would have the disparate effect of discriminating against white males. No matter what the banks ' intent, the biggest impact would be against a protected class ( race ). But the broader complaint is that banks being regulated, are not allowed to pick and choose customers and industries based on their social agendas, I think that is wrong and specifically against numerous consumer and business protection compliance regulations. They are effectively making law and due to their market size and power, have a restricting and dominating effect on a national level. They are essentially using their massive industry size, to enforce policy equivalent to federal law, replacing the lawmaking prerogative of Congress with the boardroom of for-profit Banking giants.
Product: Student loan

XX/XX/2007 i was contacted by XXXX, i was told i was going into default and defaulting on a loan would affect my credit adversely ( the dept of education would take any income tax returns i might be entitled to, and taking my social security benefit at retirement to repay the student loan ). I was unnerved and i did not know who to get valid information from. i contacted a lender provided by the dept of education and XXXX, the lender told me my best option would be to consolidate my subsidized and unsubsidized loan and that would stop the dept of education from taking my income tax returns and at retirement my social security benefit. I borrowed {$43000.00}, XXXX stop providing loans when i reached the {$43000.00} loan disbursement amount. I became behind in my expenses and my debt me to fall behind and eventually defaulting on my student loan. I received my student loan statement and my student loan debt doubled i was told i owe for the loan i actually borrowed from while i attended school but also for another loan that i did not borrow for. I am currently not non default and i received a loan schedule from Navient and my repayment amount has increased from {$360.00} to {$580.00}. I can not me those terms and I am being charged for a loan i did not borrow from or use.
Product: Debt collection

I have tried numerous times since XX/XX/2019 to make payment arrangements with this company. each time, the representatives are extremely rude, raising their voices and hanging up on me. I offer to make payments and they refuse to accept the amount that I am trying to give, even though I tell them that what they are asking for will put me in a tight spot. I find this to be very abusive and degrading. 

The first time I called, I asked if I can make payments online. I was told that they do not have a way for me to make payments online. and, even if there was, they will not honor any payments that I make because I am not " approved '' to make payments. 

The second time I called, I was over-talked, yelled at, laughed at and was told that there are no supervisors in the company. Then when I demanded that there has to be someone overseeing the office, I was just transferred to a different rep who laughed at me and told me to call back in the morning if I want to speak to someone else. 

The last person I spoke to on XX/XX/2019, who said she was a " supervisor '', implied to that I do not keep my word and that I do not pay my bills. She lectured me telling me that I am in this situation because I can not be trusted to keep my word. Then she tells me that, even though I made several attempts to make payments, it is my fault that no payments have been made and that her Company requested a lien on me because of it. She over talked me and raised her voice and then, because I told her she was making assumptions about my situation, she yelled to me that when I am " ready '' to pay {$800.00} a month, to call back. Then she hung up on me!!!!
Product: Debt collection

15USC 1692c ( c ) clearly stated If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I was also harassed and threatened over email by this company who I did not receive services they promised when they promised after payment was made. They used very disrespectful wording in emails and I have Proof.
Product: Credit card or prepaid card

I gave notice and notice is attached. I love you all! Unjust enrichment is not fair nor equitable. 
Subrogation is a form of equity and subrogation is right to subrogation not an opportunity. Equity is recognize by the u.s. constitution article iii subsection ii paragraph i. I certify my right to subrogation and substitution. Being that I am the subrogee and implied surety that was not primarily liable for the debt but tendered all consideration but not a volunteer and performed under legal compulsion to discharge a debt by subrogee. I the subrogee is now entitled to benefit from all collaterals or liens which the creditor held as security ; and since I am secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. Internal Revenue Service will be notified if this matter is not settled. This is unjust enrichment, and usurpation. A writ of XXXX XXXX lies against you to prevent malversation and peculation. 

So, whenever a surety, or other person secondarily liable, discharges a debt, he is entitled to the benefit of all collaterals or liens which the creditor held as security ; and the person secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. 

Equity regards the payment by the surety, or other person secondarily liable, as equivalent to a purchase of the creditor 's rights, equities and collaterals as against the debtor primarily liable ; ( Surety ) pays a debt, or discharges an encumbrance or lien, being under legal compulsion so to do, he will in Equity be substituted to all of the creditor 's rights against the person primarily liable. 

Where a surety discharges the debt or obligation of his principal Where any person, for his own protection, or the protection of some interest he represents, pays a debt for which another is primarily liable. 

Definitions from XXXX business guides dictionary of banking terms. 

Collateral. Asset pledged as security to ensure payment or performance of an obligation. In bank lending, it is generally something of value owned by the borrower. If the borrower defaults, the asset pledged may be taken and sold by the lender to fulfill completion of the original contract. Paper negotiable instruments and title documents. 

Security. Personal asset or property that can be pledged as collateral ; a good faith GUARANTY by a co-maker to pay an obligation if the borrower defaults. ( account was settled ) Equity. Value of stockholders ownership interest in a corporation after all claims have been paid, and thus a claim in its assets in proportion to the number, and class, of shares owned.

Substitution. Replacement of one creditor by another, also known as subrogation.

Subrogation. Substitution of one creditor for another in settlement of a claim or obligation, or transfer of ownership, as when a mortgage is sold in the secondary market. 

I gave notice and notice is attached. I love you all! 
Bank of America XX/XX/2022 XXXX XXXX hard copy return receipt tracking XXXX
Product: Student loan

Like many people my age I have a crippling amount of student loan debt, almost all from the private lender Navient ( formerly XXXX XXXX ). I recently read about the law suit being brought against them and it was like reading about all my own horrible experiences ; I had no idea the CFPB were the people to report their behavior to, and I would like to disclose my miserable dealings with them as well. 

Shortly after graduating in XX/XX/XXXX I started making my payments. At first I was on a four year interest only repayment plan which was over $ XXXX/month ( that 's just interest! ). After that I started making payments of around $ XXXX/month. I have tried everything to get the interest rates reduced and release my cosigners but have been denied every time. I have called their Customer Service representatives ( which is a whole other complaint in and of itself, it 's like pulling teeth trying to deal with those mindless people ) and even took up my issues with their Office of the Customer Advocate. The response every time is " there 's nothing more you can do except pay the bill. '' But perhaps the biggest frustration has come when trying to pay more than the amount owed that billing cycle ... 

If I had a bill that was, say, {$1100.00}, and I want to pay extra? Good luck! First they will try to allocate the extra funds to your next billing cycle instead of applying it to the principal balance. They literally just sat on the money I sent and took it off the next bill while my interest kept accruing. And then if you call they give you some confusing statement about why that is, and if you get them to reverse it they will spread the excess payment out across all the loans. Getting them to apply the extra funds to a specific loan is an even more difficult task. When I asked how to make this go smoothly in the future they said to send a check with the instructions for the extra funds in the memo section. Tried that, same results as before. Another call with Customer Service, another 30-40 minutes of my life wasted, another XXXX ensues. Rinse and repeat every, single, time. 

I know what they 're doing, they 're trying to XXXX around with the payment in a way that is detrimental to the customer. Why listen to their request to apply additional funds to the loan with the highest interest rate? That means they wo n't get more money in the end! I 'm happy to repay the money I borrowed but this is absolutely insane. At the rate I 'm going I will have paid for my education several times over by the time I 'm done with Navient. It 's outrageous that they would even offer these kinds of loans to an XXXX year old kid. I guess that 's what the cosigners were for, and perhaps it 's my parents fault too for not recognizing the indentured servitude I was signing up for, but we were all products of the XX/XX/XXXX 's ... borrow everything, you 'll be fine! I was naive when I signed up and had I to do it over again I never would have done it.
Product: Debt collection

I received a letter from TRS recovery services claiming I owed a debt of {$58.00} through XXXX XXXX. XXXX couldn't verify I owed anything. I don't know where this amount came from.
Product: Credit card

DEBT VALIDATION LETTER XX/XX/year> Dear, This letter is being sent to you in response to : XXXX - Notice sent to me on XX/XX/year> XXXX Response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your office have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act. Violation of the Fair Debt Collection Practice Act, and Defamation of Character. 
If you offices are able to able to provide the proper documentation as requested in the following Declaration. I will require at least 30 days investigating this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or in invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt all reference to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

THIS ACCOUNT DOES NOT BELONG TO ME, IT IS A RESULT OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found accounts I didnt recognize.
Product: Credit card

I have identity theft. Some has used my bank info cell # and social.
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 many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute 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 remove these files. 
XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$510.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus 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 them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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

This company is reporting my personal information to the consumer reporting agencies without my permission or consent. This company is alleging that I owe an alleged debt. I never done any business with this corporation. By this company using my personal information without my consent it is ruining me and my families life.
Product: Credit reporting or other personal consumer reports

I am contacting you as a concerned consumer regarding the accuracy and fairness of the information in my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was established to uphold the accuracy, fairness, and privacy of data within consumer reporting agencies, I am granted specific rights to ensure my credit report is accurate and that I am treated fairly throughout the reporting process. 

Under the FCRA, I am entitled to the following protections : The right to accurate reporting The right to dispute incorrect information The right to be informed of adverse actions The right to limit access to my credit report The right to privacy and confidentiality The right to seek damages for violations I am exercising these rights in my interactions with your agency to ensure that my credit report accurately reflects my credit history. Any errors or discrepancies should be promptly corrected to prevent negative effects on my creditworthiness. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute outdated information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), negative accounts should not remain on a credit report for more than 7 years from the date of first delinquency. 

The following accounts on my report exceed this limit and should be removed : XXXX. XXXX XXXX XXXX 7 years, 2 months old XXXX. XXXX XXXX XXXX 8 years, 11 months old XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I request that you remove these accounts from my credit report immediately.
Product: Student loan

My issue was with Navient, also back when it was Sallie Mae. At the time, I was in repayment but not making enough money to meet the monthly payments. Their only solution was to defer the loan for months at a time while the accrued interest was added to the principal amount. This created a scenario where Ive been paying on this loan for 14 years now. I did move the loan to a different company since I was sick of dealing with Navient and their unreasonable interest rates which kept me from making any sort of dent in my principal amount. However, enough damage was done back when Navient had control of the loan that Ill be paying this still for many years to come. I can do nothing to get forward in life because of this, and XXXX almost XXXX.