23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX University, refuses to give me copies of my entire financial aid files, and all student record files that are under my name and social security number because I informed XXXX XXXX, Supervisor in the financial aid department that a forensic accountant will be doing an audit. Two student ID numbers were created under my name and social security, unauthorized second MPN created on XXXX University computer without my knowledge. Total loans taken out for a part time student was 12. 

ACH funds unable to tell where funds went to the NSLD shows 6 loans without ( missing ) loan ID numbers. General Ledgers have been edited multiple times, the student was charged full time and part time tuition fees and other fees. Bank of America did all loans changed grade level from 3 to 1 freshman grade level, and award letters that student declined loans were revised over and over and signature photocopied so it look liked I accepted unsub and sub loans when actuality I declined some of the loans. Know award letters broke down tuition costs for the academic year. Most of all credits were changed each year ( decreased ) so that it looked like student needed more loans to finish XXXX XXXX   program. 

Loan funds that were supposed to be sent back because I was out on medical leave for winter quarter XXXX ; instead of sending funds back the funds were used to create two new loans for Spring quarter XXXX. Finally, financial aid funds were never applied to each quarter from XXXX instead after funds credited to student account the entire funds were mailed to me and not the difference after paying fees. Financial aid and loan funds were handled by the University financial aid department and registration and accounting when it came to tuition fees and tuition at XXXX University. 
After graduation a year later XXXX University sent me a letter informing me that I had an outstanding bill and it was for tuition fees that was not paid by XXXX University financial aid department supervisor XXXX XXXX who had signed off on approval to be handled. 
I have repeatedly sent emails to the president of the university Ms. XXXX, who refuses to handle my problem instead I was told that know one at the University is to help me at all and refer me to her. 

Ms. XXXX informed me that I had no rights to copies of my entire files because it was the property of the University after I had told her that a forensic accountant needs to do an audit. 

I have the right to have copies of my entire financial aid files and all other documents when it comes to the University using my name and my social security number on loan documents that I did not sign at all. I need copies of all my files including everything that Bank of America did after using private information. 
I WANT COPIES. I have not received any copies of my student records due to the embezzlement, forged signatures, and fraudulent activities XXXX University employees did when it came to students attending the University
Product: Credit card or prepaid card

On XX/XX/2020, I placed an online order on XXXX using my discover card. Due to product quality and damage issues, I decided to return the entire order and received a label in my email from XXXX. I used this label to ship all of the merchandise back to XXXX and they refused to give me a refund. After discussing the problem with discover they started a claim and finally decided to not give me my refund either. They stated that XXXX provided them with a shipping tracking number that was different than the one i provided them and thus can not give me a refund. i provided them with document 1 with was a pdf copy of the email with the return instructions. document 2 is the attachment that was on that email which was supposed to be the shipping label. this was a label i used to return the product because that was the label that XXXX  gave me when i requested the return. Document 3 is a screenshot to prove that the label is from the same attachment that was on the email. I even tried to forward the email to discover but their claim system only accepts pdf submitted through their website. discover is not helping me and seems to be ignoring me after multiple claims.
Product: Credit reporting or other personal consumer reports

I was trying to get a loan for a car and I realized that u had some damages on my credit report, according to the 15 USC 1681 law there should not be any damages on my report, it is a defamation of my character.
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. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hello, I first contacted National Credit Management on XX/XX/XXXX of XXXX after noticing a collection account on my credit report. At that time I had informed them that I had never received a notice letter informing me of my right to dispute the debt. They had updated my contact details after this initial contact and had claimed I will be receiving an email with the details. I waited for XXXX  months, I never received notice. 

I then contacted this company again on XX/XX/XXXX after disputing the charge with XXXX. I asked again, for a formal notice informing me of my debt and requesting a debt validation after verbally diputing the charge. I was told I will be receiving another " email ''. I still have yet to receive something. 

They have violated my rights under the FDCPA and I will proceed with filing a lawsuit if I do not receive verification/validation of the debt within 30 days. I am now sending this company a written dispute. Since I was also told over the phone that " We do not accept verbal disputes ''. Which I also believe is a violation. As per my knowledge most debt collectors have to respond to verbal or a written dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has responded that it is still working on your issue and my credit score dropPed 70 points cause i reported this to CFBP?
Product: Credit reporting or other personal consumer reports

My Account with XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX  and all payments were placed on Auto Pay. This late payment that is reporting is a resort of systematic error on their end processing my payment. There was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC code 1681 EB. This area has caused severe hard to my reputation, my character, my mode of living into my family! I demand the late payment reported in XX/XX/year> to be removed. They are not in compliance with the following law 15 USC 1666B requirements set the standards and the guidance for a credit to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 US 1666B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open and customer credit plan as late for any purpose, unless the credit has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( B ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637b.

I have requested proof that this information was mailed or delivers 21 days before the payment due date and this information was requested in good faith pursuant rule one 1002 and it was never provided. This is unfair, illegal, fraudulent, and equitable to me as a consumer!

Delete the payments from my consumer reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I have attempted to use this card at XXXX different retailers and it has been declined. I contacted Amex and they said the card is showing as Active and there is nothing they can do. For XXXX of my attempted purchases at XXXX, there was a test transaction of {$.00} processed successfully but then later the full amount was declined. The amount on the card is {$500.00} and it is very frustrating to not be able to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out to XXXX, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Money transfer, virtual currency, or money service

I receive direct deposit benefits for unemployment each week from the Federal Government and State Authorities. I did not receive my unemployment benefits from Paypal even though the payment was sent to them from both the State and Federal Government on Tuesday, XX/XX/2020. I receive an amount of {$46.00} from the State each week for unemployment, and a total of {$500.00} a week for Federal Pandemic Unemployment Compensation. only received {$46.00} for the work week ending in XX/XX/2020, and I did not receive the allotted amount of {$500.00} that is necessary and vital in this state of emergency that I am in.I have reached out to PayPal on numerous occasions, only to be greeted with an automated response saying that no representatives can assist with this call every time I call them. I also attempt texting them with information in regards to why I havent received this deposit, and they wont address the issue and never give me an answer on why the funds are not available in the PayPal account, even though they were paid by both the State and Federal Government in lieu of the Federal Pandemic Unemployment Compensation Act, as I personally did not receive the allotted {$500.00} for the work week ending on XX/XX/2020. I have attached the necessary documents showing that the amounts of {$500.00} and also {$46.00} being sent to my PayPal account via direct deposit, as of XX/XX/2020, but the {$500.00} is not posted anywhere to my account. Have waited the allotted period in order to rectify this matter, only to be instructed that no PayPal Representatives van assist me with this matter. I have to survive during this Pandemic, and I need to have access to all of my necessary funds. I feel as if a fraudulent act has been committed, and I need answers to why the direct deposit amount of {$500.00} is not showing in my PayPal account, even though it is showing as submitted as a direct deposit of {$500.00} on XX/XX/2020. This being done so, is negligence on behalf of PayPal, and this situation needs to be addressed immediately, as this is my means of survival during this Pandemic. I have attached both my recent PayPal account history and also my direct deposit statement indicating the dates for which my direct deposits were submitted for credits to the respective PayPal account.
Product: Mortgage

I was on a covid forebearance plan and at the end I applied for the differnt options available. After submitting the paperwork at least 3 times I received a letter stating that we qualified for the Covid-19 XXXX XXXX  recovery  advance combo. I received a letter on XX/XX/XXXX making me aware that the payment amount would be $ XXXX Principal and interest {$330.00} Escrow Interest rate 3.100 % I contacted XXXX XXXX on ( there were other dates but I would need to contact my cell company for the info ) XXXX to determine status of my application for relief. I was advised in processing XXXX to determine status of my application for relief. I was advised in processing XXXX Called regarding the letter advising that I qualified for the mortgage recovery combo and to find out what that was. I was told that I would receive paperwork soon that needed to be completed and notarized. Payments would start in XXXX. I asked if I should resume payments and was advised that XXXX and XXXX were already included in the modification paperwork. 
XXXX I contacted because I never the received the paperwork. I was told not to worry and that it would be coming soon. Payment would be {$800.00} starting in XXXX XXXX I contacted because I received a notice that my loan was transferred and the payment would be over {$1000.00}. I spoke to a supervisor at XXXX XXXX  that advised me that although the loan would be transferred it would not be done until I completed the paperwork. I would told it would be sent via fed ex and I would receive a tracking number. Once my husband and I sign all documents and get them notarized ( I was even told a notary would come to my house to do this! ) my loan would go to XXXX XXXX with the same terms. 
XXXX Supervisor from XXXX called me back and advised the loan was transferred and that they didn't have the new payment information. I requested that the previous calls all be pulled and that I be contacted back. I never received another call. 

On multiple occasions I expressed to XXXX XXXX  my concerns on losing my home. I was told over and over not to worry and it wouldn't happen. 

Today I received a notice from XXXX XXXX advising that my loan is due on XX/XX/XXXX in the amount of {$22000.00}. I left a message for this company but did not receive a callback. 

I do have the supporting documentation that can be sent if needed. XXXX did not follow through with the forbearance terms that were set and I am concerned that I will lose my home.
Product: Debt collection

I am a 100 % XXXX veteran, proof attached as a benefit letter from the VA, and I recently discovered that there are accounts on my credit report that have been sent to collections. Due to my XXXX, I am unable to afford payments on these accounts. I have made attempts to address this issue but have been unsuccessful in finding a resolution that fits my financial situation. As a XXXX veteran, I believe there XXXX be options for assistance or forgiveness, and I am seeking help to resolve this matter. On XXXX XXXX XXXX I discovered that Midland Credit Management had reported an outstanding balance of {$840.00} to collections. This is a new discovery.
Product: Checking or savings account

My State Disability benefit payments were sent to a US Bank account. The US Bank back office closed my account without my knowledge alleging fraud. The most recent payments of {$440.00}, {$1300.00}, {$4400.00}, and {$6100.00} with {$41.00} was held by the bank total of {$12000.00} was never sent to me. A few days later, I received a notice from XXXX stating that my electronic payments would no longer be automatically deposited to my account. I was also advised by XXXX that I would have to certify for benefits before each payment. Starting XX/XX/2025 I was already certified by a doctor around XX/XX/2025 to receive benefits until XX/XX/2025. XXXX changed the benefit end date to XX/XX/2025 despite my doctor completing the continuation of benefits until XX/XX/2025. I changed my method of payment to a XXXX XXXX card around XX/XX/2025 and was given a phone number to an automatic XXXX XXXX phone number that had no record of my account. Therefore, I am requesting reporting fraud and an immediate resolution to receiving my XXXX payments of {$12000.00}. XXXX US Bank assistance changed the zip code of my address and stated the check went to the wrong address. Another US bank assistant corrected the address. I was advised to visit a local branch to verify my ID and did do so with Branch XXXX XXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX. I received informed delivery that the check would be in my mailbox on XXXX which has not arrived as of to date. When I went to the mail box there was a tall XXXX XXXX XXXX XXXX on a bike who kept going in and out of the door. There was also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that pulled up slowly beside me stop and go as I walked away from the mail box looking to see if I had anything in my hand. I contacted US Bank customer services who kept the call on hold for a long period of time until coming back on the phone asking if I reported that the account was fraud. I never reported fraud on the account and was not given a fraud number. I contacted the fraud department who advised me to go back to another branch to verify my ID. This is totally outrageously ridiculous that Banks are doing this type of stuff to people who they think they can do this type of stuff and get away with it! 

It is very ironic that my account was not closed as fraud when someone with a XXXX account debited my account XXXX times for {$500.00}, {$500.00}, {$500.00}, and {$500.00} total of {$2000.00}. Your immediate response and resolution is greatly appreciated. 

Thank You, XXXX XXXX
Product: Debt collection

Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called National Credit Adjustors L.L.C nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. XXXX
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.