23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have 4 unsubsidized loans with Sallie Mae totaling about {$44000.00}. Each time I called them to discuss lowering my monthly payments, the customer service rep would only push forbearance on me saying it was my only option. After 4 months of forbearance, I found out through research online that I qualified for an internship deferment for a year while I was in an alternative certification program to get certified to teach. Despite the fact that I had informed customer service representatives of my work situation, no one ever informed me that I qualified for a deferment. My program was taking {$200.00} out of each check I received and I could not afford my monthly payments of {$500.00} with Sallie Mae. Now that my deferment has ended, I again called Sallie Mae today, XXXX/XXXX/2017 to discuss my options for lowering my monthly payments. I called two different times, once at XXXX and again at XXXX. The first customer service rep named XXXX asked my name and asked what I was calling about. I told him my situation : I 'm a XXXX working for a XXXX XXXX XXXX XXXX and because of budget issues, I 'm receiving a much lower raise than what I had originally thought I would get. He asked what my major was and if I had received my degree. I informed him that I majored in XXXX. He said unfortunately there was nothing he could do to help me lower my payments and that my only option would be forbearance. I told him I only have a few months of forbearance left and that I want to save those in case I need to use them later during the life of my loan. He said my only other option would be to purposely default, and then and only then could I possibly talk with their collections department. I told him I did n't want to default and that I was trying to be proactive because I did n't want to affect my credit score. He said I would have to wait at least 5 days after my payment is due to go into default and that was my only option other than forbearance. I thanked him and ended the call. I called again to see if another customer service rep could do anything. This time, I talked to XXXX. She also informed me that my only options were forbearance or purposely defaulting by not paying for 5 days. I asked her about the reduction interest rate and she said I did not qualify because my account is current. She again informed me that I could purposely default and that the collections department would contact me. Only then could I review my finances to possibly lower my monthly payments. I again thanked her and ended the call. Sallie Mae should not push forbearance and refuse to discuss other payment options for borrowers who make a good faith effort to make their payments. And they should not force borrowers to purposely default to qualify for lower payments.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. After reviewing my credit record, I discovered the presence of reported late payments. Despite sending letters requesting validation over 30 days ago, I have not received a response, and the creditors have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Product: Debt collection

Original Creditor XXXX XXXX apparently forwarded an amount of {$270.00} to Receivables Performance Management as an outstanding amount due. I noticed the amount on my credit report in XXXX and paid it immediately by calling XXXX XXXX. XXXX XXXX has contacted Receivables Performance Management and told them that this account needs pulled back from my credit report because they agree they do not have the right mailing address and I never received notice. Receivables Performance Management has not deleted this even though they've received emails from XXXX XXXX and from myself with XXXX XXXX 's email. Attempts have been made from XX/XX/21 up to and including this morning XX/XX/21.
Product: Payday loan, title loan, or personal loan

They went against the Military Lending Act and charged me 64.54   % annual percentage rate from XX/XX/XXXX-XX/XX/XXXX.  {$4000.00} quickly became {$7500.00}.
Product: Student loan

I use auto-pay to make monthly payments to my student loan in the amount of {$860.00} on the XXXX day of each month. The only way to update the funding source ( bank account ) for the automatic payments is to call and have it updated. My wife called at XXXX PST on XX/XX/XXXX to update the bank account information and received confirmation from the agent that the update was made and the next automatic payment would be taken from the updated bank account. It came time for the automatic payment to be withdrawn on XX/XX/XXXX and it came out of the old account that was no longer in use resulting in a {$37.00} overdraft fee. 

My wife called the loan servicer just before XXXX PST on XX/XX/XXXX to find out why the payment wasn't taken out of the new account which had been updated 3 weeks ago. She spent nearly an hour on the phone and got nothing but scripted replies and " I don't know '' regarding why the payment wasn't taken out of the new account. She asked that they credit back the {$37.00} overdraft fee which they caused and was told it wasn't a possibility and wouldn't be done. She asked several times to be transferred and was put on hold over and over again before finally being transferred. The woman she was transferred to offered to credit the fee back but she first had to listen to the call recording from XX/XX/XXXX and then she would call back within 20 minutes. Surprise, surprise, no call back within 20 minutes. 

She was told that it was possible the bank account information wasn't updated because it was later determined it may not have been an authorized change since she was not an authorized third party on the account. This was NEVER communicated in any way nor was it ever mentioned on the call on XX/XX/XXXX. If this were the case, the agent should have never took any information or provided confirmation that the account information had been updated.
Product: Credit reporting or other personal consumer reports

I pulled my credit report on XX/XX/XXXX and seen some inaccurate and misleading information on my credit repotrs. This company has violated my consumer right under the FCRA. This company has also stated that they written this loan off but i never recieved a 1099C for this and im pretty sure they wrote it off to the IRS. Under 15 USC 1681 ( e ) and 15 USC 1681 ( i ) this company has violated my right and I request that this account be removed from my credit file. 
Account info Account name XXXX XXXX XXXX. 
Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$180.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$190.00} Highest balance - Terms 2 Months Payment history XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days XXXX Past due 60 days 90 Past due 90 days XXXX XXXX XXXX Charge off XXXX  No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX 90 days past due as of XXXX XXXX  60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX XXXX
Product: Credit card or prepaid card

1. According to Discover XXXX Bank agreement disputes between XXXX parties must be exclusively decided through XXXX  ( alternative Dispute Resolution method either XXXX  or XXXX  ). 
2.However, without any prior notice from lawyers/ legislators covered by the FDCPA, a legal action was initiated. 
3. I submitted demand to compell private arbitration along with a contract outlining arbitration provision. 
4. Despite my answer Discover and Debt Collectors ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ) still ignore my demand and trying to use court system as weapon. 
5. Discover don't respect or follow they own contract. 
6.Debt Collectors violated FDCPA ( XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX )
Product: Checking or savings account

My bank accounts keep being sent to this address. They are cancelling my card and receiving my replacement cards to this address. One representative told me that he messed up and used one of his emails involving his name. His name is XXXX XXXX. I did not authorize him to use my account or take any initiative involving it.
Product: Checking or savings account

I was checking out the account services on all my 4 EIN accounts and it looks like services that I DID NOT sign up for was enabled again for 3 out of 4 of those profiles : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Those services are : XXXX XXXX {$15.00} XXXX  {$19.00} XXXX {$12.00} Wire {$12.00} People and Permissions {$8.00} I brought this up to my relationship manager and the branch serveral times, but started documenting it from XXXX again on XX/XX/year> and again on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. lvnvfunding XXXX {$980.00} XXXX XXXX {$530.00} XXXX  XXXX {$63.00} XXXX  XXXX {$1600.00}
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 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

On XXXX XXXX, XXXX  a Military Star Credit Card was opened in my name fraudulently and without my consent or knowledge. This is identity theft. This showed up on my XXXX credit report and I was notified in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally file a complaint against Equifax for their repeated failure to comply with federal credit reporting laws, including but not limited to violations of the Fair Credit Reporting Act ( FCRA ). Despite my multiple attempts to resolve these issues directly with Equifax, they have not fulfilled their legal obligations under the following statutes : 1.

**15 U.S.C. 1681e ( b ) ** Failure to ensure maximum possible accuracy of the information in my credit file.

2. **15 U.S.C. 1681s-2** Responsibilities of furnishers of information to provide accurate and complete data.

3. **15 U.S.C. 1681i ( 5 ) ** Failure to properly reinvestigate and correct inaccuracies in my credit report.

4. **15 U.S.C. 1681c ( c ) ** Reporting obsolete information. 
5. ** 15 U.S.C. 1681 XXXX XXXX XXXX Chronology of Disputes Filed : - XXXX XXXX, XXXX : ** I submitted a dispute regarding inaccuracies in my credit report. 
- XXXX XXXX, XXXX : ** A second dispute was filed due to unresolved issues. 
- XXXX XXXX, XXXX : ** I filed another dispute, which also went unresolved. 
- XXXX XXXX, XXXX  : ** Most recently, I submitted a dispute, but the issues persist. 
The following remains on my credit report as negative items being reported by Equifax XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Company isn't authorized to do business in my state in which I pointed out to Equifax in my dispute ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my persistence, Equifax has failed to correct the inaccuracies in my credit file or provide adequate responses to my disputes. These ongoing issues have caused significant harm to my financial well-being, including denial of credit, unfavorable loan terms, and other adverse consequences. 

I recently became aware of the **CFPBs enforcement action against Equifax** , in which they were ordered to pay {$15.00} XXXX for improper investigations of credit reporting errors. This enforcement action highlights Equifaxs systemic failure to comply with FCRA requirements, which directly aligns with my experience. 

Additionally, I was affected by the **Equifax data breach**, which exposed my Social Security number and other personal information. This breach has exacerbated the harm Ive experienced, as I remain vulnerable to identity theft and fraud. Equifaxs failure to safeguard consumer data and properly address disputes demonstrates a pattern of negligence that has severely impacted my financial stability and peace of mind, I appreciate the CFPBs efforts to hold credit reporting agencies accountable and protect consumers like myself. I trust that your investigation will lead to a resolution of this matter and prevent further harm caused by Equifaxs practices.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX {$4600.00} Inquiries from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Wrong address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX
Product: Debt collection

Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report.

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. XXXX  has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the XXXX for a disaster loan ( in XX/XX/2020 ) to save my business during this pandemic. I was denied for the XXXX Loan based on my low credit score. 

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The XXXX will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. THIS COLLECTION AGENCY IS IN CLEAR VIOLATION OF THE FCRA, AND ADDITIONAL STATE AND FEDERAL LAWS. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you
Product: Debt collection

I have been in contact with the MN attorney general and XXXX regarding the unblocked device that I brought to my account that would not work due to how their representative added it. I then could not reactivate that line and they informed me that I would need to add a line which would cost more every month. I told them no as anyone would and they refused to assist. I involved everything I could to get a conclusion that fit both parties and nothing would work. Not even when the Mn attorney generals office got involved. XXXX XXXX XXXX  has a large amount of complaints against them for their business ethic I want this debt completely removed from all credit bureaus immediately.
Product: Debt collection

For some reason this showed up on my credit again. I sent them a letter and they did not respond. They did this before. I want this removed off my credit and someone to call me to figure this out. I have received nothing, nor have the even tried to contact me again. Just go around destroying people during a pandemic. I once again ask for the CFPB to full investigate this company. Their tactics of destroying people is appalling. This is demoralizing and deceitful. I can't continue to battle them and work, take of my family, and try to lead a normal life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX  : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX