23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I graduated with mXXXX XXXX XXXX XXXX in secondary XXXX education from XXXX XXXX University in XXXX. I then continued on to get my XXXX XXXX XXXX in secondary education with a concentration in XXXX in XXXX. During that time, I was a beginning teacher in XXXX Ohio, only making $ XXXX a year. I put all of my loans in forbearance because I could not afford to pay them. I don't remember how long they were in forbearance, but it was for several years until I could afford to repay. I never wanted to NOT pay. Because of these loans, I received an education which can never be taken away from me. However, I truly believe that these loans that were in forbearance should be counted towards the PSLF program of which I am enrolled. 

I have also turned in my proof of employment in XXXX of XXXX, but I have not received word as to whether my loans will be forgiven. More Transparency and communication with PSLF would also be helpful. 

The fact that college used to cost {$50.00} a semester compared to the cost I paid ( approximately {$2500.00} a semester ) is outrageous. On top of that, there's interest. For the PSLF, interest should be lowered, forgiven, or non-existent. Teachers can not afford the cost of college, including the interest. What the government does to people via student loans is a shame! People across the country should be outraged. 

Only a few months ago, my loans for the PSLF program totaled {$76000.00}. Now, because interest rates went up, my loans total $ XXXX. This amount is even more difficult to repay than the previous $ XXXX. I feel like I'm drowning. 

I am also a XXXX survivor. Mine & my husband 's savings is gone due to medical bills for treatment & surgeries. I believe that the XXXX should also take into consideration one 's medical debt for canceling. I have no issues providing documentation of my treatment. 

How do I leave a legacy for my child? The debt is crippling. Cancel student loan debt!
Product: Credit reporting

experian is reporting rtr financial services account is not mine please remove asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX auto dealer on XX/XX/22 at XXXX & was informed by rep/manager XXXX AKA XXXX that he could take a look at my credit with out running a full report. Which would effect my credit ( hard inquiry ). I was informed this would not happen but I was informed by XXXX credit bureaus that this is now on my report. As of XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding the results of my recent reinvestigation. Upon review of the report, I have found several inaccuracies in regards to my credit accounts.

In particular, the information listed below is not accurate and I would like a full description of the errors in accordance with 15 USC 1681i ( 7 ). 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Despite my request for correction, TransUnion LLC has failed to modify or delete the inaccurate information on my consumer report in accordance with 15 USC 1681i ( 5 ) ( A ) ( xi ). I have attached a copy of my consumer report as evidence.

I demand immediate correction of the inaccuracies listed above and full compliance with 15 USC 1681, 15 USC 1691, 15 USC 1692, and 15 USC 1681 ( m ).

Thank you for your prompt attention to this matter.

Sincerely,
Product: Money transfer, virtual currency, or money service

Between XX/XX/year> and XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX and a XXXX XXXX  clone scam which involved me making deposits for a total amount of USD XXXX from my XXXX  account to fraudulent investment firm ( XXXX ).
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 XXXXXXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX  XXXX. ) XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX TD BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, XXXX 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 XXXXXXXX BANK NA XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

Hello I have been for the past 3-4 months have been disputing inaccurate information on my credit report with XXXX, XXXX, Equifax. I have sent in several letters asking to please properly validate these inaccurate negative items on my report. XXXX, XXXX, Equifaxhas FAILED to do so. I feel as if XXXX, XXXX, Equifax is conspiring with these collection agencies to defame my name! It's been MONTHS and nothing has changed. I have consulted with an attorney and before I retain his services I would FIRST like to see if XXXX, XXXX, Equifax and I can resolve this issue without having to see a courtroom. I will await XXXX, XXXX, Equifax response before I disclose any of my personal information.
Product: Debt collection

Keep getting phone calls regarding a debt owed to " XXXX ''. Have never had an account with that company. The calls are always an automated call leaving another phone number to call. They call six to eight times a day using different numbers. Have blocked the numbers and they still continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a validation request, with errors I found on my credit report to Trans Union. They did not provide me with actual proof how the information was verified, only a computer-generated confirmation. The issues and errors, and validation requested on the report were not completed, or fixed.
Product: Vehicle loan or lease

I have tried calling and emailing this company to get my payment book or to set up my online to pay on this loan but I keep getting hung up on or the call is dropped.
Product: Credit reporting or other personal consumer reports

Here is a firm and structured dispute letter for the unauthorized inquiries on your ChexSystems report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Your Email ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, IA XXXX Chex Systems , Inc . 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF UNAUTHORIZED INQUIRIES UNDER 15 U.S.C. 1681b To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of multiple unauthorized inquiries appearing on my ChexSystems report. These inquiries were not authorized by me, and their presence is a clear violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). As such, I demand their immediate removal. 

UNAUTHORIZED INQUIRIES TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL BASIS FOR REMOVAL According to 15 U.S.C. 1681b, a consumer reporting agency may only provide my report to entities with a permissible purpose. Since I never authorized these inquiries, they must be removed immediately. If any of these companies claim to have had a permissible purpose, I demand written proof of my explicit authorization.

FAIR RESOLUTION I demand the following actions : 1. Immediate removal of these unauthorized inquiries from my ChexSystems file.

2. Written confirmation that these inquiries have been permanently deleted.

3. If any company claims a permissible purpose, they must provide documented proof of my authorization.

Failure to comply with this request within 30 days, as required by law, will result in formal complaints to the CFPB, FTC, and my state attorney generals office, as well as potential legal action for noncompliance under the FCRA, which allows for damages up to {$1000.00} per violation.

I expect this matter to be handled immediately and will escalate if necessary. 

Sincerely, XXXX XXXX
Product: Debt collection

I disputed a debt with my former landlord, XXXX, for breaking my lease in XX/XX/XXXX. They overcharged me and refused to comply with DC Law governing their duty to mitigate damages. They refused to let me speak to anyone with more knowledge of the law than a sales associate and refused to negotiate. In XXXX, they reached out to me again. I again asked to speak with their lawyer and they refused. After a few months of silence, I did get a letter from their lawyer. I discussed with him how they had not complied with DC Law and he said they would now negotiate. Instead of negotiating, they sent the full debt to a debt collection company, Fair Collections and Outsourcing ( FCO ). I informed FCO that the debt was inflated and inaccurate. They sent me my lease back and I informed them how XXXX had not complied with the law to inflate the amount owed. I provided them evidence and said I would be happy to settle the undisputed portions of the debt. Instead of negotiating, they reported the full debt as owed to the three credit reporting agencies. I would note that they could have sued me at any time, but they chose to avoid a venue where their debt would be reduced and they would be forced to negotiate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion numerous times and was told these inquiries would be deleted. Please delete immediately. These are unauthorized and I never consented. No consent is identity theft. See attached ftc report.
Product: Debt collection

Portfolio Recovery Services is a debt buyer. I tried explaining that the amount owed to the original creditor is incorrect, but they continued to call repeatedly. Due to the repeated phone calls, I requested that the phone calls cease on Friday, XX/XX/2019, and to contact me in writing. The phone calls persist, and I when I answer the phone, the representative hangs up. Further, I have yet to receive anything in writing regarding this matter.
Product: Credit card

I purchased some pants through a website using my Chase credit card. I paid for these pants TWO WEEKS before they arrived and were not what the website said they were. I contacted Chase and reported the transactions as fraudulent. Chase claims they issued a credit, but I have NOT seen the credit AND they also completely removed the transactions so I can not physically see when the credits were supposedly applied. I pay my bills WEEKLY not when statements are due! Therefore I should be seeing this credit on my account. I have contacted XXXX XXXX XXXX XXXX for help and Chase is refusing to comply with either my personal request to them NOR XXXX XXXX XXXX XXXX request for documentation and credit.
Product: Debt collection

I request that BULLCITY FINANCIAL SOLUTIONS formally substantiate account data BULLCITY FINANCIAL SOLUTIONS conferred to the major credit bureaus for me, XXXX XXXX, with respect to the unverified BULLCITY FINANCIAL SOLUTIONS XXXX {$XXXX}. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after my time as a student. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak BULLCITY FINANCIAL SOLUTIONS desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. 
Thanks sincerely for your assisting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

PROBLEM : Since XX/XX/XXXX I have been trying to get XXXX to correct my credit reporting for the BIG 4 including XXXX, Equifax and XXXX as promised. 

I was told once my modification was completed all of my negative reporting would be cleared up as ok. I started the process in XX/XX/XXXX and it finally concluded on XX/XX/XXXX with the modification. Immediately, XXXX disbands the division, the employees disappear and my loan is transferred to XXXX XXXX. 

XXXX was practicing the same hanky-panky which got them fined for {$28.00} XXXX by the CFPB ( XXXX ) in XXXX. Starting in XXXX XXXX would start the process, inform me not to make payments, asked for documents and would tell me my credit reports would be cleared for non-payments and changed to OK status. I was told throughout the process my credit reports were going to be corrected to show in good standing for every month throughout the process because I was doing everything on my part to get the modification done. 

The process would begin or restart and stop by XXXX after changing agents and using the excuse they had no paperwork, did not receive paperwork or needed other paperwork as I went through XXXX XXXX ( XXXX ), unknown worker ( XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). 

CREDIT REPORTING : For XXXX I show over 30 days late for ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and ( XXXX ) XXXX. Also, I am over 60 days late for ( XXXX ) XXXX, XXXX and XXXX. Finally, for ( XXXX ) I am over 90 days late for XXXX, XXXX and XXXX and over 120 days late ( XXXX ) XXXX, XXXX, XXXX and XXXX. In addition, despite making payments to XXXX XXXX for {$1300.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and {$1300.00} on XX/XX/XXXX ( see XXXX   XXXX  Statements for payments ), XXXX shows my account being past due on XX/XX/XXXX for over 120 days late for {$16000.00}. 

In my conversations with XXXX, despite knowing payments were made on time starting in XX/XX/XXXX, they will not correct the XX/XX/XXXX negative report. Finally, XXXX has had a history of this behavior with their customers. 

OTHER EVIDENCE : 1. XXXX XXXX Statements from XX/XX/XXXX XX/XX/XXXX showing on time payments to XXXX. XXXX. Emails with XXXX 3. Emails with XXXX showing XXXX was unresponsive for SIX months from XX/XX/XXXX to XX/XX/XXXX getting XXXX the necessary information to complete the modification. This same lack of responsiveness was also why my information was never changed on my credit reports as I was told it was after the completion of the modification. 4. Credit reporting from XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is not authorized by me and I did not inquired in this company. Remove these as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have 2 accounts I am an authorized user on because I am helping a family member get there grocery 's and and stuff due to what's going on in the world. For some reason It has not be updated but I will send you a screen shot of my family member 's cards that I am on both. I have spoken to both credit card companies which have admitted they sent to XXXX, equifax and XXXX. For whatever reason they are not coming up on my credit report and i need this all updated as soon as possible as there customer service reps at XXXX and XXXX XXXX told me. Under the fair credit reporting act I believe I am within my rights and I just want my information all accurate. Thank you for understanding.
Product: Vehicle loan or lease

Have a loan with Wells Fargo in the past they added a insurance without my knowledge and repossessed my car they have a lawsuit filed against them where they have to pay all the damages happen to customer becoz of the repossession. 
I give them details of my damage - physically, financially, emotionally with the proof but they are not willing to pay what I m asking for what they are offering me is not fair.
Product: Credit reporting or other personal consumer reports

XXXX reported account with balance which is incorrect-it should read as a zero balance.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX  - XX/XX/2023 XXXX. XXXX - XX/XX/2023
Product: Checking or savings account

I am a XXXX senior on fixed income. On my Chase accounts, I have my daughter as secondary. I have complained about this before to you, BUT issue persist!!!! Because of my poor vision, I need paper statements. My daughter prefers paperless. SO, issue is the bank makes my accounts paperless also!!!!! As I stated I have complained before to bank & through your system. Since I am " Primary '' on the account I want my directives to be respected & honored!!!! With today 's technology, there should be a way for this to occur! Please can you help?
Product: Debt collection

I was recently paying state farm insurance 's debt collector NATIONAL SERVICE BUREU for an automobile accident which happened 4 years ago. I signed an agreement with them to pay off the debt using MY CHECKING ACCOUNT. They recently contacted me saying they changed the way they process payments due to them being in business with a new payment processor ( not my fault ) and were now required to take payments using a credit/debit card. I was not happy nor did I feel secure giving them that information. Paying with my credit/debit card is not what I originally signed the agreement to use as a method of payment. The rep was rude and threatening me that I was no longer going to receive the payment agreement that was originally proposed by them if I did not issue them my credit card info. He also threatened me saying I would have my license revoked and even hung up on me multiple times. I was never refusing to pay them I simply wanted them to honor the agreement which was originally signed using my original method of payment. Ever since the rep XXXX threatened me and hung up on me I am now refusing to answer his calls or even pay because it is not my fault they broke their own contract and decided to be unprofessional when speaking to me. They have my bank information and I do not feel I need to give them much more than that. It 's been about 18 days since the payment was due and I do not feel I should be responsible for this if they broke their own agreement. I 've already issued them payments to the amount of a little over {$5000.00} to settle an XXXX debt. I keep getting harassed for my card information even after I was hung up on and I also never signed anything that would bind me to give them my CARD INFORMATION only my checking account which was a scheduled {$200.00} to be taken out each month. Since I have not been able to pick up calls due to me being at work during the day they have now started calling my family and leaving messages they have already reached out to my older brothers and left messages on both of their voicemails looking for me. They imply in the message who they are and what they 're after. Will they keep receiving these harassing phone calls? It 's a rep by the name of XXXX which was personally handling my account at the time the original agreement was set up he is very rude and unprofessional with his tone and threatening remarks. When I originally refused to give him my card he made various threats that I was going have my license revoked for something that happened 4 years ago and that I was now going to owe the complete XXXX that was left on the account in full if I did not give him my card information. I do n't feel I 'm being treated fairly here. Just because they broke their own contract with the " method of payment type '' they feel they can jerk me around?
Product: Credit reporting or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove information on my Credit File that are UNKNOWN to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. The Equifax and XXXX Credit Bureaus have failed to comply with the FCRA sectiob 605b and continued reporting the items I was disputing wiwhout proper verification. Ive already included the Fraudulent infromation in my previous Complaints & I am including it again. 
XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$5400.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX {$0.00}. If XXXX and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature. 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.