23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I was granted a request for a Graduated Repayment Period on a Sallie Mae student loan. I was sent a document outlining the repayment schedule for this program, in which I would pay interest on the loan but not the principle. On XX/XX/XXXX I was charged both interest and principle on this loan through an auto-debit transaction. On XX/XX/XXXX I called Sallie Mae to inquire about the status of this loan, at which point they acknowledge that I was owed a refund. The refund was not issued. On XX/XX/XXXX I called Sallie Mae to inquire about the status of this loan, at which point they acknowledged that I was owed a refund. The refund was not issued until XX/XX/XXXX, at which point my account was shown as past due for the amount refunded to me. On XX/XX/XXXX I called Sallie Mae and spoke with a manager who assured me that the owning balance would be removed and the problem would be remedied. On XX/XX/XXXX I received an email saying that my account was past due for the amount of the refund. On XXXX I called Sallie Mae and spoke with a manger ( XXXX ) who told me my account was past due for the amount of the refund. Sallie Mae is making unauthorized withdrawals from its borrow 's account. These withdrawals are in excess of the amounts specified in its lending agreements about Graduated Repayment Programs. When a refund is sought out, the refund amount is then held against the borrower as a past due payment. Despite frequent and persistent efforts to resolve the issue - and open acknowledgement on Sallie Mae 's part that the account has been drawn down in error and no amount is owing - the issue has not been resolved and stands to negatively effect the borrower 's credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches. I noticed some unauthorized, fraudulent accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following accounts attached in my Identity Theft affidavit are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2014, XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies in unauthorized account/information reporting to my credit report. These remarks have been detrimental to my credit health.
Product: Debt collection

XX/XX/year>, I reached out to them to resolve this matter and also asked for information from them, but they didn't provide me with any. 

They claimed that I owed them {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an account on my consumer report that is being reported more than once. In addition, information is not correct. I was denied credit to get my daughter 's XXXX  work done for all the inaccurate information that has been furnished to my consumer report. This false reporting is ruining my credit reputation, I have had to move in with my family because of fear I would not be able to get an apartment in a desired neighborhood. 

Also, according to federal laws a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card My credit is my SSN and I have to give my SSN to apply for a " student loan '' therefore these tradelines are a result of my credit card.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Credit card or prepaid card

I received United Explorer Card application invitation with XXXX bonus miles with XXXX intro annual fee ( see attached mailer to me with my name and address included ). After that, I logged in to my Chase account, and see a pre-approved United Explorer Card, so I applied it. I then realized that I was tricked by Chase, because the pre-approved United Explorer Card offer presented to me was only XXXX bonus miles with XXXX intro annual fee. Effectively I lost XXXX bonus miles from the original paper application invitation offer. 

The only reason I considered the pre-approved offer via Chase account was because I thought it was the same as what I received in the mail, but it was in fact XXXX bonus point less. 

I have received the XXXX points from Chase, I am filing this complaint on the confusing marketing efforts and shows different offers across different channels, which eventually led to unfavorable treatment to me ( as a consumer ). Therefore, I would like to request Chase to grant me the additional XXXX bonus points to make sure that i can receive XXXX points in total which matches the original mailer piece.
Product: Credit reporting or other personal consumer reports

I was wondering why I couldn't afford even a slight help from a XXXX  but then I remember that my loans are all getting declined because I do not have a credit score enough to get one. This is because inaccuracies are being reported on my file.
Product: Debt collection

I am in receipt of a letter from Prince Parker & Associates , Inc stating that I owe a debt. I do not know for what this debt is, so I need you to validate the debt. What information do you have that proves the debt is legally mine and that I am obligated to pay it? Keeping in mind that a copy of a Consumer Contract is not sufficient evidence of a debt as per case XXXXXXXX XXXX XXXX XXXX  XXXX. I look forward to your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2019 I received repeated calls from the following number concerning debt collection of a previous apartment payment. Two calls were received during work hours and another received around XXXX XXXX  when I returned home. Myself, family members as well as significant other was contacted by the debt collection company. When I answered at XXXX XXXX I was told that the company had acquired my debt and they needed a payment today or else my file would be marked as refusal to pay. I explained the situation to the representative on the phone and the call was escalated to a supervisor. The supervisor placed the file on hold and gave me time to contact my previous leasing office to verify the debt. I was told I had until XXXX XXXX on XX/XX/XXXX to give an update or my file would be marked as refusal to pay and my credit negatively affected. This morning XX/XX/2019 I had contacted my previous apartment and they had verified the balance as well as that the balance can be paid through the apartment company. I requested an e-mail correspondence of the charges as well as an other correspondence had with the apartment complex. When I contacted the debt collection service for the requested update I was told that I had taken bad advice, I had continued to take bad advice and that I need to resolve the issue today I then requested a debt verification letter to be sent to my address to verify the debt collected, they current owned that debt, and secure ways of payment and to confirm overall legitimacy. The representative was unable to answer many of my questions and had outdated information regarding my file. I was accused of trying to not pay my debt and told the call would be escalated if I did not comply. He said he was one of the nice guys, he already spent 9 minutes on the phone with me and refused to play this game with me. I could pay the debt now or he would end the call. The call was escalated to a supervisor who questioned why I could not pay my debt. I voiced concern that I could not pay today however wanted to receive written confirmation via a debt verification letter of their overall legitimacy. I was told that I had already received verification from the apartment complex and waiting would only add more to what I owed. They would continue to add 6 % interest on my debt until paid. It was also stated that the reviews I read where just people who owed money and will only be negative reviews. After much back and forth the call was ended and she placed my file in dispute.
Product: Debt collection

midland funding have been violation of Federal Law by continue reporting of a debt on my credit report that they cant verify i called them i also have a letter from Midland funding saying the going to delete the trade-line as they couldn't verify it but yet they still reporting it 3 months latter.they are in violation of Federal Law and they should be held accountable The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, 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. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. 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. 
items ; Experian : DEPTEDXXXX  XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXXXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX  XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXXXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$8700.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX  XXXX Balance : {$1600.00} DEPTEDXXXX XXXX XXXX : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXXXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$8700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX
Product: Debt collection

I had a XXXX sticker that was inactive on my vehicle. ( unknown to me as I moved from one state to another ). They sent a bill stating I owed over XXXX XXXXXXXX XXXX for two tolls that were less than {$1.00}. I immediately obtained a new XXXX account for the car in XXXX, added money, and paid those same tolls. They are charging me twice for tolls that have been paid. They were paid in a batch of tolls. For example when you download the app it gives you the option to pay 1/2 of the price and that is what I did {$400.00} dollars down to {$200.00} dollars. The tolls they are charging me for were in that batch of tolls. They are false with these charges and raping the poor. They are threatening my driver 's license. If I ca n't drive to work NO ONE IS GETTING ANY MONEY. This would cause a snowball effect it is not fair to treat people this way and gauge. They are crooks with suits and briefcases at Linebarger Law.
Product: Mortgage

Nationstar modified my mortgage ( TIER 2modification ) on XX/XX/XXXX and on XX/XX/XXXX Nationstar Mortgage ( Now MR Cooper ) applied {$5000.00} principal payment to my mortgage as a loan modification incentive. Four years later ; in XX/XX/XXXX Mr Cooper ( previously Nationstar ) clawed back the {$5000.00} incentive without any notice. I contacted Mr Cooper and they stated that the incentive was reversed because they made a mistake 4 years ago. This is disturbing and is affecting my financial situation as I will not be able to refinance due to the increase in principal balance. 
I believe that Nationstar 's practice is deceiving as they deliberately applied the incentive with a plan to claw it back in the future
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 PACIFIC CREDIT SERVICE added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA PACIFIC CREDIT SERVICE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XX/XX/XXXX Aargon Collection Agency ( Account # :XXXX  XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, NV XXXX Re : Dispute of Unauthorized Access and Removal of XXXX  Due To HIPPA VIOLATIONS Dear Aargon Collection Agency ( Account # : XXXX ), I am writing to formally dispute the unauthorized access, use, and disclosure of my personal and medical information by your institution, which I believe is in violation of multiple federal laws intended to safeguard my privacy. 
Under the Health Insurance Portability and Accountability Act ( HIPAA ), my health information is protected and should not be disclosed without my express consent or knowledge. Similarly, the Privacy Act of 1974 ( 5 U.S. Code 552a ) restricts federal agencies from disclosing personal data without appropriate permissions. I have neither granted your institution nor any third-party the authority to access, use, or disclose this information. 
In terms of financial information, 12 CFR 1016.4 of the Gramm-Leach-Bliley Act ( GLBA ) mandates the issuance of initial privacy notices detailing your institution 's policies and practices around the sharing of nonpublic personal information. Concurrently, 15 U.S. Code 6802 of the GLBA prohibits financial institutions from disclosing such information to non-affiliated third parties unless the consumer is provided a clear notice and an opportunity to opt out, neither of which I received. 
Moreover, the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 articulates that it may be unlawful for Credit Reporting Agencies ( CRAs ) to release my credit report information without a permissible purpose. At no point did I grant consent for any CRA or furnisher to view or release my personal information. 
Furthermore, I wish to formally state that I decline your invitation to do business with your institution. Consequently, I request the immediate removal of your tradeline from my credit report. 
To address this situation, I expect : 1. A swift investigation into the unauthorized access and disclosure of my information. 
2. A written statement detailing the findings of this investigation. 

3. Immediate rectification or removal of any unauthorized disclosures or inaccuracies related to my personal and medical information on your records, including the removal of the aforementioned tradeline. 
4. Assurance that such unauthorized access or disclosures will not reoccur in the future. 
Should these concerns not be addressed to my satisfaction, I am prepared to take legal action to protect my rights. I anticipate your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I have been on the SAVE plan since implementation. Previously I was ALWAYS on an IDR plan in dealing with payments on my student loans. Under SAVE during the federal court injunction, no interest is supposed to accrue on my loans. Nelnet has over $ XXXX in accrued interest on my loan account since XX/XX/year>. How is this possible when my loans are protected under the SAVE plan injunction? I want the accrued interest removed and my loan reviewed for other servicing errors. I have asked Nelnet repeatedly to send me a letter advising as to how many more years I must pay under the IDR and/or SAVE plan on my loans. This is considering that my XXXX loans have been paid on well more than 20 years. I never get a response from the servicer, and I need to know what I am looking at as far as when these loans will be discharged. I want accrued interest taken off my loan and a fair accounting of how many more years I am stuck paying these loans off.
Product: Credit reporting or other personal consumer reports

To whom it may concern, The deletion or blocking of accounts due to a data breach and unauthorized inquiries is governed by FCRA Section 605B ( 15 U.S.C. 
1681c-2 ) and FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts reported on my consumer credit report, which stem from a data breach or fraud incident. I request verifiable evidence bearing my signature or electronic signature. This letter represents my personal request, and I kindly ask for your thorough review. I never authorized these actions, constituting a violation of my consumer rights under the Fair Credit Reporting Act 's Section 605B and Section 604. I have already contacted the relevant companies and found that these actions were initiated without compliant validation or original proof from any of the reporting entities. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 B Permissible Purpose Of Consumer Reports- Please change payment status to Paid As Agreed or OK The information provided above does not appear to meet any certified reporting standards and may be unreliable. I kindly request that any incorrect, incomplete, or unsupported material be removed from the record. Furthermore, I would like to draw your attention to the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwhich highlights additional areas of concern that need to be addressed