23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Subject : Urgent Review and Correction of My Borrower Defense Discharge Case Dear Nelnet Team, I am writing to request an immediate and thorough review of the handling and reporting of my federal student loans associated with XXXX XXXX, now part of the XXXX XXXX XXXX XXXX XXXXXXXX. This is in light of ongoing issues despite clear directives and findings from the Consumer Financial Protection Bureau ( CFPB ) and the Department of Education. 

Background and Previous Correspondence : As per the information from my Nelnet account and prior communications, my loans for the period enrolled at XXXX XXXX  from XX/XX/XXXX, to XX/XX/XXXX, were discharged on XX/XX/XXXX. However, there have been significant discrepancies in how these discharges have been processed and reported to credit agencies. 

CFPB and FTC Involvement : The complications have led me to file complaints with both the Consumer Financial Protection Bureau ( CFPB Complaint # XXXX ) and the Federal Trade Commission XXXX FTC Report XXXX XXXX ). Both agencies have been informed of the lack of action from Nelnet and the major credit XXXX, XXXX, and XXXX accurately updating the discharge status of these loans. 

Department of Education 's Findings : The Biden-Harris Administration approved significant borrower defense discharges for students of XXXX XXXX  due to deceptive practices by the institution. This was based on evidence provided by the California Department of Justice during a successful lawsuit against XXXX and its parent company, XXXX, highlighting extensive misrepresentations made to students ( Department of Education, Press Release dated XX/XX/XXXX ). 

Request for Action : Given the documented malpractices by XXXX XXXX  and the subsequent legal findings, I urge Nelnet to : Re-evaluate the handling of my borrower defense discharge to ensure all related loans are properly discharged.

Correct any inaccuracies in the reporting of these discharges to credit agencies.

Provide documentation and confirmation that these corrections have been made.

Conclusion : The resolution of this matter is crucial not only for rectifying my credit records but also for upholding the integrity of federal student aid programs. I expect a prompt response and action on this matter, ensuring compliance with federal regulations and justice for the affected borrowers.

Thank you for your attention to this urgent issue. I look forward to your swift and decisive action. 

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

I am writing to formally notify you that I am a victim of a recent data breach and that the following accounts have been fraudulently opened or accessed due to this breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit report.

Please find below a list of the accounts that require immediate attention : Accounts to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account Number : XXXX ) listed as a collection with a past due balance of {$870.00} as of XXXX XXXX 
Dear XXXX XXXX, I, XXXX XXXX, the Original Creditor and a Natural Man, hereby rescind my consent to be liable to perform on the contract agreement entered with XXXX XXXX on. This notice is made in full accordance with the provisions of 15 U.S. Code 1635 ( b ) regarding my right to rescind the contract.

Upon reviewing the terms and conditions of the contract, I found that I was not given full disclosure of my right to rescind, and there was a lack of transparency regarding the nature of the consumer credit application as stipulated by 12 CFR 360.6 ( 2 ) and 17 CFR 260.11b-6. This leads me to believe that XXXX XXXX knowingly and willingly took advantage of my consumer credit. 

Please be advised that I am not canceling or terminating the contract. However, I am deducting my liability to pay on behalf of the obligor as I have discovered several violations and acts of fraud. Therefore, under 15 U.S. Code 1635 ( b ), I am not liable for any finance charge, and any security interest related to this contract becomes void immediately.
Product: Credit card

Inquiry has been made to formally request a fair reduction in my APR in alignment with consumer rights and to assist with financial hardship. The company denied my request and didn't offer any options to assist with financial situation. 

XX/XX/XXXX American Express c/o Credit Card Consumer Review XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX Dear American Express , I am writing to express my dissatisfaction with the current Annual Percentage Rate ( APR ) applied to my credit card account, and to formally demand a reduction in the APR in accordance with consumer protection laws and regulations.

As a diligent consumer and having extensive experience in consumer law, I am well-versed in the rights afforded to consumers under various federal and state statutes, including but not limited to the Truth in Lending Act ( TILA ), the Credit CARD Act, and other relevant consumer protection laws. 
Upon reviewing the terms of my credit card agreement and comparing them to prevailing market rates, it has become evident that the APR assigned to my account is substantially higher than what is fair and reasonable. This high APR imposes an undue financial burden on me as a cardholder, making it increasingly difficult to manage my financial obligations effectively.

Under TILA, credit card issuers are required to provide consumers with clear and accurate information regarding the terms and conditions of their credit agreements, including APRs. Furthermore, the Credit CARD Act prohibits unfair and deceptive practices by credit card companies and grants consumers the right to request a reduction in their APR under certain circumstances.

Given my responsible credit history and consistent payment behavior, I believe that I am entitled to a lower APR that is more reflective of current market conditions and my creditworthiness. Failure to provide a reasonable reduction in the APR would not only contravene consumer protection laws but also constitute an unfair and deceptive practice on the part of your company.

Therefore, I am formally requesting that you promptly review my account and adjust the APR to a rate that is in line with industry standards and reflective of my credit profile. I expect a written response detailing the outcome of your review and the proposed changes to my account within 21-days from the date of this letter.

Please be advised that I am prepared to take further action to protect my rights as a consumer, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remed
ies if necessary.

Thank you for your attention to this matter. I look forward to a swift resolution that is fair and equitable. 
Sincerely, A representative called me on XX/XX/XXXX to convey they would not be able to provide anything to assist in my request. XXXX from American Express Executive Offices. XXXX.
Product: Checking or savings account

On XX/XX/2023 I paid {$200.00} for a rental car through the same person I rented my XXXX with in XXXX XXXX  When I picked up the car I verbally communicated with the merchant about the warning lights being on the dashboard. ( tire pressure, battery, etc.. ) The merchant stated the car was fine to use. It was unsafe and did not run properly. ( This was also not the original car I requested and confirmed to rent ) I could not drive the car as needed and the car eventually broke down on me and my XXXX XXXX XXXX daughter while driving. Leaving me and my daughter stuck in the middle of nowhere for a couple of hours. 
I communicated with the merchant about the car breaking down right away and asked for them to accommodate me with another vehicle or refund. The merchant did not accommodate me. The merchant said it was the car battery and offered me the same unsafe car. 
When I returned home I disputed the {$200.00} charge XX/XX/2023. I sent in screenshots of me messaging the merchant about breaking down as well as screenshots showing the car dashboard ( warning lights on to show the vehicle was not safe ). Chime denied my dispute. 
I have been requesting documents as to why the dispute was denied and I have been reopening the dispute for them to return my {$200.00}. They have denied it repeatedly. I feel as a loyal customer with Chime for a few years and the situation involving the car breaking down I should be refunded. Its just the right thing to do.
Product: Vehicle loan or lease

Turned in the lease on XX/XX/scrub>/25 ... Received confirmation that no payments were due ... they continue to withdraw money from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the company ( s ) that I did not personally authorize my information to be used for credit services or applications in any format and ask for my written original signature application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting or other personal consumer reports

its XXXX different addresses that dont belong to me these addresses are nonmailable XXXX, the adresses is XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX ill XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX XXXX XXXX ill XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ill XXXX, these addresses are not mailable my address is XXXX XXXX XXXX XXXX il XXXX
Product: Debt collection

Affirm is calling me multiple times a week more than 7 times in a 7 day period. This is harassment they call more than once a day. Sometimes when I pick up they dont respond. They are harassing my number and going against law practices
Product: Checking or savings account

My husband XXXX XXXX XXXX died on XX/XX/2014. We had a joint checking - -saving 's account with Bank of America . A few days after his death I transferred the funds in the savings account to our joint checking account. I had full access to both accounts of course. A few days later Bank of America did a forced withdrawal of the funds from our checking account of approximately {$1100.00}. They said it was an unauthorized transaction to transfer from the savings to the checking account. I personally contacted Bank of America branches here in XXXX, Florida 3 times and supplied copies of the death certificate and will each time. They faxed to the deceased person division each time they said I would get a check within 10 days. After the third time repeating this process they said I needed a court certificate of some kind which cost {$400.00} to received the funds. I was then referred to the deceased persons division to a XXXX XXXX who said he would handle it. That was over 5 years ago. A friend of mine mentioned the CFPB could possibility help me out. Bank of America has completely blocked any access to these funds which I am legally entitled to. They do mail a quarterly statement. Copy is attached for reference. I am XXXX and any extra funds would help me greatly.
Product: Checking or savings account

XX/XX/2022 I receive a notification in my discover app that my account was blocked due to suspicious activity and provide me with a number I call the number, after verification steps I recognize the charges which were a XXXX dollar charge to my internet provider and another XXXX dollar charge. ( Which Im not sure if its even enough basis to block an account since I had paid my internet before ) They ask me to hold on the line and that Ill receive a code that Ill give back to them. Cant say for sure if they hung up on me or call dropped but I had very stable coverage. 

I call back and now they are asking me to upload some documents to the website to prove my identity. Instructions were to enter discover.com and find the secure document upload option. They mention that it may take up to 48 hours to process. 

( Of note, this is very inconvenient and dangerous since this leaves me without access to any money in case of emergencies ) One hour later as soon as I have access to my laptop I notice that there is no secure document upload option on sight in the websites front page. I call back again and they verbally guide me through the document upload using discover.com/sdu I call every day since then to check if my documents have been reviewed with no luck. When I ask if theres anything I can do to expedite the process given my situation they mention it must be 48 hours after document upload before they can pull the departments leg. 

XX/XX/2022 I call back after 48 hours have officially passed. Documents have not been reviewed. Agent tells me there is no such thing as pulling that departments leg. I describe to her my document upload process and she lets me know that the correct link was actually discover.com/upload which brings you to a similar looking part of their website and tells me I should upload documents there and wait an additional 48 hours. 

I am not sure what is going on but in all this process Im kept without access to my money.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the addition of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX to my credit report. This address is not associated with me in any capacity. I do not live at, nor have I ever lived at, or conducted any business at this location. Its appearance on my credit report is inaccurate and misleading, and it must be immediately removed along with any associated negative inquiries or debts. 

Details of the Issue : Address Addition : The address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX has been added to my credit report without my authorization or knowledge. I am uncertain how this address was linked to my profile, but it is clear that this is a case of erroneous or fraudulent reporting. 

Negative Inquiries and Debts : Alongside this address, there appear to be negative inquiries and debts falsely linked to my account. I have no knowledge of these accounts, nor have I authorized any transactions or financial activities related to this address. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Experian, XXXX, and XXXX are required under the FCRA ( 15 U.S.C. 1681 ) to ensure the accuracy of all information contained in credit reports. The addition of this address violates the following FCRA provisions : 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
1681i ( a ) ( 1 ) : Obligation to conduct a reinvestigation of disputed information and correct inaccuracies promptly.

1681b ( a ) : Prohibition on furnishing a consumer report for unauthorized or impermissible purposes.
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 XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Carrington Mortgage has continued to report negatively since 2019 in which loan number XXXX was paid in full through the sale of the home. I have requested documentation they have to show the loan was open past 2019 and nothing has been provided. I have requested numerous times Carrington Mortgage stop reporting and to date no response however negative reporting continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

amount {$1000.00} I have never done business with Midwest Recovery Systems. I do not have a signed contract with Midwest Recovery Systems. I have the right to demand to see a signed contract between Midwest Recovery Systems and myself
Product: Student loan

On XX/XX/XXXX I filed a request to be refunded for student loan payments made during the COVID pause. The amount equals {$8400.00} for XXXX payments made from XX/XX/XXXX to XX/XX/XXXX. Nelnet the servicer for my loans said that I would be sent a confirmation email and further instructions within ten business days which would have been on XX/XX/XXXX. However, I have not received any confirmation or instructions to date. I called the servicer twice, and they can not provide updates or an expected timeline for my request confirmation or a refund. They just said it's being processed, but they missed the initial deadline dates given by the customer service representative when the refund request was filed.
Product: Bank account or service

My VISA debit card ( issued by First Citizens Bank ( FCB ) aka First Citizens BankShares , Inc. was used to process XXXX separate fraudulent transactions for a total of {$410.00} on XX/XX/2017. My name is XXXX and my FCB acct is : XXXX. 

FCB ( or their fraud detection agent ) called me early that evening asking if I approved the charges which I emphatically did NOT and in fact requested that they " freeze '' the account. I called First Citizens ' Customer Care early the very next morning and disputed ( all 14 unauthorized charges from the prior day ). The FCB Customer Care Supervisor " XXXX '' said FCB would reverse the charges but for me to check my XX/XX/XXXX statement to confirm ; if not, to call FCB back so they could " manually remove them ''. All XXXX fraudulent charges appeared on my XX/XX/XXXX statement so I called as requested but at that time I was told that in fact I ( not FCB ) would have to follow-up w/ each merchant to dispute the charges. I requested a Form E disputes form for which they had no knowledge so I requested that they open a case w/ their Fraud Dept. I do n't think they did and I received a letter a few weeks later stating simply that there was no bank error thus no charges will be credited. I again called FCB Customer Care to get more detail since my statement did n't even reveal which locations were used to perpetrate the fraud. I still have no more information about this case than appeared on my XX/XX/XXXX bank statement. I also asked them why the EFTA ( Electronic Funds Transfer Act ) did n't apply in this case and none of them had even heard of the law? 

FCB 's position now seems to be that I 'm responsible for all XXXX charges since " some '' were made w/ a Chip-only card ( which I ca n't confirm of course as I do n't have sufficient detail from them regarding the transactions ) and that they were made " in my area ''? 
Obviously, this is unacceptable especially since I specifically requested an ATM-only card when I opened this checking account and I was misinformed by the XXXX branch who said it would not be functional as an ATM card which turned out to be totally false. In fact, I later learned that I would need to open a " Savers '' account to get an ATM-only card. 

This is by far the worst banking experience of my ( XXXX year ) life and I will follow-up w/ the NC AG 's office, then file a small claims action in XXXX County NC if necessary. If all else fails I will do all that I can to ensure that others are aware of this FCB " policy ''!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my privacy rights, resulting in inaccuracies being reported on my consumer report. I contacted Equifax and spoke with representatives in effort to resolve issue and have these errors corrected by removal to no avail. Said representatives refused to acknowledge my demand of removal, even with proof by their admittance of a breach in their policy regarding personal data sharing. Instead of meeting my consumer needs of removals, there were additional disputes, inaccuracies and remarks added to my consumer report without my consent, which is further violation of my consumer rights by federal law. I have attached my response letter as well as supporting documentation regarding this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has tagged me with a phantom account and reported it to TransUnion, XXXX and XXXX. I've sent each of the credit bureaus a certified letter asking them to validate this account ownership with XXXX XXXX and they have not! I also asked for the procedure used to determine the accurancy and completeness of the information for this phantom account. 

I'm having low credit rating with TransUnion, XXXX, because of this phantom account that is reported closed on XX/XX/XXXX yet it's reporting a late payment on XX/XX/XXXX and a Charge Off on XX/XX/XXXX.
Product: Credit card or prepaid card

Notified Capitol One that I was charged {$30.00} for an order placed with XXXX XXXX. 

I indicated that I did not receive the merchandise ordered and requested a credit to my account in the amount of {$30.00}. 

I was issued a temporary credit. 

However, several days later I received a letter from Capitol One with two ( 2 ) pages of questions, including The reason for my dispute -- -I had already done this A detailed description of what merchandise I ordered -- -what difference does this make, I did not receive it Why was the merchant unable to provide the merchandise -- -How am I supposed to know this Describe the merchants return policy -- -not applicable, I did not receive anything to return In addition, there were several other questions. 

Capitol One 's practices are far different than any of the other credit cards I deal with. 

With any other credit card once I dispute the charge and give a reason, the credit card company then submits this information to the credit card company, and they have a certain amount of time to respond or the temporary credit is made permanent. 

Why should I be incovenienced to provide all of this addiitonal information when it is most likely had my original dispute been forwarded to the merchant, they would not have disputed it and I would have been issued a permanent credit. 

The reason is clear, it is to put the burden of proof on me rather than the merchant. 

I am requesting a response from Capitol One