23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My private student loan was originally serviced by what is now, XXXX XXXX XXXX. It was sold over 4 years ago to Discover Student Loans. When it was first sold I noticed the payments were {$100.00} more than the original payment with XXXX XXXX. My current monthly payment with Discover is {$370.00}. I can not pay that. I have told them repeatedly by phone and email, the payments are too much. I have asked if they could lower the monthly payments or refinance the loan to lower the monthly payment. My emails either went unanswered or I was told I have no choice but to pay it, as I had used all of my forbearance. The last email I sent was after a threat AGAIN, telling me the loan was in at risk of being default and that payment must be made or they will escalate it. I emailed the Director of Operations and to beg for his help and to explain what was happening, to this date I have gotten no response. AGAIN. I spoke to a supervisor who I thought would help that turned out to be the most combative conversation I ever had with a customer service agent. I can not live like this under constant threat, I am not refusing to pay them I just want to find a way to lower the payment. I have XXXX other student loans XXXX with XXXX XXXX which is currently on a reduced payment plan, from {$560.00}, approx. down to {$280.00} ( XXXX loans combined ) per month. I also have another smaller loan which is about {$50.00} per month. Discover is the only loan I literally can not pay and that is a problem. I am constantly given the " politically correct '' explanation on how they can not reduce the rate, the length of the loan etc, they explain that XXXX XXXX and others have alot more freedom than they ( Discover ) do to administer student loans, if that is they case why are they even allowed to offer student loans. I am not asking to not pay them I am simply asking to reduce the monthly payments. I even proposed a lower monthly payment of about {$250.00} for about three months, until XX/XX/XXXX, and in XXXX 2015 I would be able to bring account current then, Rejected completely. I need help in talking to these people. 

I have recently restarted my job search,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Unauthorized charges successful iconSubmitted XXXX   XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX  XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX  XXXX   Unauthorized charges successful icon
Product: Debt collection

On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX XXXX about account number XXXX of the following address : XXXX XXXX XXXX XXXX XXXX XXXX 
because when checking my Credit Report I noticed that IQ Data was reporting that I owed them {$9500.00}! I did not recognize this name and was 100 % sure that I'd never " SIGNED '' any Contractual agreement with IQ DATA XXXX XXXX XXXX ever. 

I was Informed that they're representing XXXX also known as XXXX. 

1. I was never afforded any opt out notifications via XXXX as is required by the Privacy Act before a Company share my Personal Information with any Third Party! ( see attachments XXXX XXXX XX/XX/XXXX ), where IQ Data pulled my Credit Report with-out my WRITTEN EXPRESSED PERMISSION! If IQ DATA claim otherwise I DEMAND them to Furnish proof of WET SIGNATURE! This is a clear violation of the Privacy Act and my Rights to Privacy! 

2. In Accordance to CFPB 12 CFR PART SEC 1006,34 NOTICE FOR VALIDATION OF DEBT ( SEE ATTACHMENT RULES HIGHLIGHTED ) WERE VIOLATED IN WHOLE AND OR PART BECAUSE THESE DOCUMENTS WERE NEVER FURNISHED.

THE REQUEST WAS MADE VIA RECORDED PHONE CALL ( SEE HIGHLIGHTED TRANSCRIPTS SHOWING SPEAKER 1 WHOM IS AN " IQ DATA INTERNATIONAL REPRESENTATIVE STATEMENT ).

( a ) Documents were never furnished with-in 5 days nor have they been furnished at the current date of making this report.

( b ) when trying to get a clear and conspicuous understanding because it's hard for me to understand stressful situation because I've had a XXXX and XXXX XXXX XXXX I was met with Sarcasm and told : Quote " IT'S JUST A WASTE OF TIME '' by this representative which is In Violation of the CFPB Rules and guidelines. 

I Have Never Had any Dealings and or Contract with this entity whom has stolen my Identity illegally abused their privilege to run Credit checks on any consumer without fear of Accountability and Demean Consumers by telling them : " It's just a waste of they time '' when the consumers Reputation, Way of Living, Mental Health and Psychological health is being affected!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  XXXX {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, reportability of this listing. 
There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I am a victim of the Equifax data breach. Attached to this complaint is the supporting documents of my claim that will be apart of this ongoing litigation.

I decided to investigate and thoroughly review the report about this old information and found multiple discrepancies and errors after they made opposite claims. This is frustrating and impedes the process to financially prosper. Following accounts must be removed from my credit report as I also do not have any signed contracts associated with these accounts that are 7 years old and was falsely exposed under this data breach. 

I am requesting a removal of this accounts on my report due to the data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 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 and other adverse items 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. Attached copies of credit report information associated with the following accounts validates my findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1602 ( p ) - Congress ensured that unauthorized use of a consumers information is a violation. Any violation is a civil liability paid to the consumer. You have deceived me, you have frauded me, and committed identity theft, you have caused pain and suffering. I, XXXX XXXX did not give written consent for the accounts in this complaint to be furnished on my consumer reports. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 

COLLECTION/CHARGE OFF REMOVAL Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best Regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved Attached is my identification.
Product: Money transfer, virtual currency, or money service

I am writing this complaint to inform parties involved with Zelle, that I don't appreciate how claims have been handled. I've reported issues numerous times and never got a solution. I understand that the findings of CFPB has shown the neglect from Zelle and its consumers, leaving us vulnerable to scams. This is unacceptable and raises many concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 1. Account Number- ( XXXX ) Account name - ( XXXX XXXX ) 2.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX ) 3.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX  ) 4. Account Number- ( XXXX ) Account name - ( XXXX  XXXX XXXX ) 5.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX ) 6.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX  ) 7. Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX ) 8.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX  ) 9.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these pavments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

Update the account to Paid on time and never late. Or remove it from my consumer report.

Dear Trans Union : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for 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 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 XXXXXXXX XX/XX/XXXX met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was discharged from chapter XXXX bankruptcy on XX/XX/2018 and Transunion still has an account XXXX XXXX as showing charged off bad debt/ purchased by another lender. Account needs to be updated and corrected to reflect included and discharged in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having so many issues in regards to my identity being stolen. I spoke with XXXX, XXXX, and transunion and sent them all the documents required, and i have yet to hear anything back from them. Nothing has been removed or fixed and my personal life and credit score have been hit extremely hard.
Product: Debt collection

Greetings, I signed a contract with XXXXXXXX XXXX XXXX inXX/XX/XXXX and again inXX/XX/XXXX. I bought out of my contract on XX/XX/XXXX ( XXXX ) because I had sold the house with the security system in it. I received a debt collection notice notifying me that I owed them XXXX. When I spoke with the Senior collections person above XXXX XXXX ( McCarthy , Burgess & Wolff Collection Agency XXXX Extension XXXX  ) she had said that I was suppose to notify XXXX  in writing of the cancellation of the contract. The person at XXXX  did not disclose this to me at the time of cancellation. I asked if I could get a copy of the recording of the conversation on XX/XX/XXXX with XXXX and the collections person said that I would need a ticket number, of which I do not have.

I was never billed by XXXX  to my new address, so I was completely unaware that this company was continuing to bill me. XXXX  had my new address and they also had my husband 's credit card number, which was also not billed.

When speaking with the senior collections person at McCarthy, Burgess, & Wolff, she stated that in one year and 6 months of working with this company only 2 complaints have been mistakes. When I did not read the contract in full about the cancellation process, that it was " on me ''. Which leads me to believe that this type of predatory collections is rampant and pervasive.
Product: Checking or savings account

Arvest Bank allow XXXX go into my account and try to debit it {$380.00}, I did not authorization this transaction and I do not have overdraft protection. Now I am receiving notices from the bank indicating I have a negative balance of - {$290.00} and it must to paid by XX/XX/2019 or will be charged-off. I did not believe this is fair, I did not authorization XXXX into my account, I did not even have overdraft protection on this account, and I am not understanding how XXXX charges can be submitted if you don't have overdraft protection, I have not used XXXX for over 1 year and I have tried to make arrangements with them, but you can never get to the correct person to speak with, everyone tells you something different. I want these charges removed from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. PLEASE SEE ATTACHED POLICE REPORT.
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 XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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: Checking or savings account

I am responding to the class action suit related to Wells Fargo. I believe I am entitled to damages. I owned an account from XXXX to approximately XXXX. My account was transferred from Wachovia bank to Wells Fargo when they bought Wachovia. I owned a student account, likely a checking and a savings. I recall fees being charged leading me to join a different bank.
Product: Payday loan, title loan, or personal loan

The bank won't connect with the app
Product: Credit reporting or other personal consumer reports

I have written several letters to Experian requesting that they remove/delete the following inadequate information from my credit report : Closed account : XXXX ) XXXX XXXX XXXXXXXX XX/XX/year> Collection account : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XX/XX/year> XXXX : XXXX ) XXXX XXXX  XXXX They are in violation of 15 U.S.C 1681e ( b ), ect Accuracy of Report. By these items being on my credit report it is damaging my credit.
Product: Credit card

My American Express Statement closing XXXX XXXX  had a closing statement balance of {$9500.00} that was due on XXXX XXXX  to avoid an interest charge. I made a payment of {$9600.00} using a XXXX balance transfer check. This payment was posted to my XXXX account on XXXX XXXX, one day prior to the America express due date of XXXX XXXX. When I received my American Express Statement closing XXXX XXXX, I had an interest charge of {$300.00} for the XXXX closing amount. My XXXX payment was not posted to my American Express account until XXXX XXXX, one day after the due date that would have avoided the interest charge, even though American Express processed my payment to XXXX on XXXX XXXX. In addition, on my AMEX statement closing on XXXX XXXX, there was an additional interest charge of {$200.00}, even though my balance due had been paid in full. 
I've had several discussions with American Express in XXXX and XXXX to waive the interest charge, but they have denied my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

8. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

I would like a wet signature or some other type of verification information to state that these are my accounts.
Product: Debt collection

DEBT DISPUTE Claimed Debt of {$800.00} ; for lease with XXXX XXXX XXXX ; ( incurred date undefined ) The debt claim that was issued is not my debt. 

On XX/XX/2022 - XXXX mailed a XXXX certified termination of lease letter to XXXX XXXX XXXX ( receipt confirmed by email by XXXX XXXX XXXX XXXX On XX/XX/2022 The apartment was fully evacuated in non damaged condition ( as confirmed by XXXX XXXXXXXX XXXX  by letter. ) On XX/XX/2022 documents were hand delivered/legally served to the property XXXX XXXX XXXX XXXX by Great Lakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) A Copy of the Termination of Lease Expert Laboratory Results of the presence of Mold in the living space A final invoice defining the balance XXXX XXXX XXXX owed to me To date, XXXX XXXX XXXX still owes me a balance of {$220.00} reimbursement from my security deposit. 

Please note the following deceptive practices of the XXXX XXXX XXXX staff : On multiple dates XXXX XXXX XXXX stated varying amounts that they claimed were due. They, however, never disputed nor responded to the Final Invoice served to them, issued on XX/XX/2022. On which they owe me the above stated reimbursement balance of {$220.00}. 

On XX/XX/2022 I received from XXXX XXXX XXXX an invalid, unfiled, partial court form from the State of Michigan ( Demand for Possession Non Payment of Rent Form XXXX ) after receiving the property manager a receipt for the full balance of XXXX Rent on XX/XX/2022 in person and with witnesses ). This was presumed to be a scare tactic after I had a professional mold inspector come into the apartment to prove the presence of XXXX mold, that they refused to remediate, to terminate the lease. 

PLEASE NOTE : In that document XXXX XXXX XXXX claimed a DIFFERENT fictitious balance that they stated I owed even though they were still in possession of my XXXX payment check, that they received, accepted and issued receipt for in person. 

I have full records of lies and false practices for XXXX XXXX XXXX going back years ( repeated email communications with them about repairs needed that were input into their online service system, with reference numbers and photos - that were never completed. As well as damage done to my personal property that I was never reimbursed for. )
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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: Credit reporting or other personal consumer reports

I would like this item investigated l. The inaccuracies are highly injurious to my credit score. 
Account : XXXX  XXXX XXXX