23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended XXXX and agreed to pay towards a loan while I was in school in order to remain an " active student ''. I agreed to pay this loan so that I may receive an education. As of XX/XX/XXXX, the school closed down. With the school closing down I unfortunately did not receive the purposed education. I am no longer attending school and have been asked to make payments starting XX/XX/XXXX. Because I was unable to finish, and I did n't receive an education, I do not believe I should be expected to repay any amount of that loan back.
Product: Payday loan, title loan, or personal loan

I originally file a Complaint XXXX more than XXXX  days ago since then the Problem is between Affirm and XXXX. It appears XXXX Loans done on XX/XX/2021 and XX/XX/2021 where the XXXX was not available or Returned. The Loan company Affirm and the Retailer XXXX FAILED to zero out these loans since these dates. I have Uploaded Proof to your agency, Affirm from XXXX. It appears XXXX promised XXXX system and DID NOT have it ready for Affirm until currently in the store and XXXX. I can not tell you the hardship this causes us as consumers. XXXX CLOSED my online account due to " Suspicious Activity ''! What happen on XXXX order it billed Affirm and Our Credit Card? This error lied truly with XXXX as it also billed Affirm! I contacted XXXX and Affirm both have stalled for months doing nothing but threaten to report it to the Credit Bureaus for the errors they both caused by in XX/XX/2021. The Loans are Loan : XXXX which is order # XXXX and Loan : XXXX which is order XXXX. Both Loans Either Cancelled/Returned or Fail to Deliver Goods. But sought payment even though both Cancelled Per XXXX.
Product: Credit reporting or other personal consumer reports

I was approved for TOTAL PERMANENT XXXX DISCHARGE '' in late XXXX XXXX. The amount of XXXX was XXXX to XXXX and reported by XXXXDEPT. OF EDUCATION XXXX XXXX Subsequently, all XXXX XXXX XXXX XXXX were informed, yet XXXX continued to report ( inaccurately ) that this loan is still open, and I owe a total of {$10000.00}. I have made repeated phone calls to XXXX disputing the erroneous information they are reporting on my personal credit file. XXXX has asserted the information that remains unchanged on my credit report is based on their investigation with THE DEPARTMENT OF EDUCATIONXXXX XXXX This issue has been unresolved since XXXX. As a result of this inaccurate information, I have had to pay higher interest rates on everything from a small auto loan, credit card companies, personal loans, auto insurance and a preliminary option to rent-to-own the townhouse I am currently living in. The undue stress, XXXX  and embarrassment has impacted me physically and financially. I am hereby requesting that this " error '' be reported truthfully to ALL CREDIT REPORTING AGENCIES. Especially, to XXXX who has stated repeatedly, the information is based on their investigation of THE DEPT. OF EDUCATION.
Product: Debt collection

XXXX XXXX sent a ~ {$300.00} debt to FAMS. The debt was due to an error on XXXX part in billing my insurance. This is the third similar experience weve had since XXXX switched from XXXXXXXX XXXX XXXX. 
In this case I just decided to pay it to avoid the hassle of engaging my insurance company ( who I no longer have ). So the debt is paid to XXXX and no longer a valid debt. 
FAMS calls my phone XXXX times a day. When I answer, they hang up. I suspect its a robo-dial system and if no operator is available they disconnect. 
I am unable to stop FAMS from calling. Im unable to dispute the debt. I cant get them to answer the phone. Im beyond frustrated and really dont know what to do to make it stop.

Im attaching a call log. All of the calls from Georgia numbers are from FAMS auto dialer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a response from Experian whom I filed a dispute in regards to my consumer credit report with Experian. This was a response to a previous dispute about an unauthorized unknown and fraudulent account on my experian report. Experian responded with a generic response stating the item was verified and will remain with no verification or documentation. A consumer credit reporting agency, experian is subject to the Fair Credit Reporting Act also known as FCRA. 

The item I disputed multiple times in writing is XXXX XXXX  personal loan XXXX. I sent multiple disputes including in XXXX, XX/XX/2023 stating this account was unauthorized and fraudulent. I asked for written proof documentation in writing including original signatures showing this account was authorized. Section 602 of the FCRA allows a consumer to request proof and verification of the investigation and documentation. In writing with original signatures for a disputed item to remain on a consumers report. I requested this multiple times from experian.

Experian has failed to provide any proof of any investigation, failed to provide written signatures on original documents as required by Section 602 of the FCRA. Due to the failure to provide the requested and required written documentation and signatures I am requesting that Experian remove without any delay the XXXX XXXX personal loan item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending multiple letters to this company over periods of time disputing unauthorized inquiries. This company has failed to send me proof that I authorized them.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 ( a ) ( 1 ) says The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. On XX/XX/2022 I sent a letter to Equifax pointing out inconsistencies in several accounts reporting on my Equifax consumer report. I asked that if any information reporting on my Equifax consumer report wasn't 100 % accurate that it be immediately deleted from my consumer report. My certified mail tracking # for the letter is XXXX. It is now XX/XX/2022 and there are still a multitude of inconsistencies reporting on my consumers report. Equifax stated that these accounts were investigated properly, but how is that possible with so much inaccurate information still reporting? 15 U.S.C. 1681i ( a ) states that if Equifax can't provide proof of these inaccuracies these accounts must be deleted. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 602 A which states I have the right to privacy as well as 15 U.S.C. 1681 Section 604 A Section 2 which 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

I applied for a loan and derogatory information my ex-husband 's credit card is on my credit report and lowered my credit score to a point that I could not get a loan today. I made a complaint about this information being on my credit report in XXXX and the information was removed. I received a confirmation letter from Chase Bank. This information is now back on my credit report with XXXX. We closed the account in XXXX and were divorced in XXXX of XXXX.
Product: Debt collection

CREDIT MANAGEMENT is attempting to collect a debt sold by XXXX that I do not owe. XXXX offers a no credit check program. The accounts they referred to me according to a XXXX rep was started with the no credit check program. There was no social date of birth or anything attached to these accounts. Also I never even lived at the places referred on the accounts. They are reporting a debt they told me was from previous years as opened XX/XX/2016 on my credit.
Product: Student loan

I have called Granite State Management Company twice seeking a repayment schedule for my loan. They have never delivered it. In addition their website or billing process offers no ability to designate principle payments. Also, their billing process is deceptive, in that it lowers the monthly payment based on prepayments, convincing borrowers that they are making more progress than they think on their loans.
Product: Student loan

To Whom It May Concern, I am writing to formally dispute my student loan due to the recent major data breach that has compromised the personal and financial information of millions of borrowers, including my own. This breach directly violates the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) and other federal protections designed to safeguard student information.

Recent reports confirm that sensitive Free Application for Federal Student Aid ( FAFSA ) data, personal identifiers, and financial records have been mishandled, allowing unauthorized access to my information. This mishandling represents gross negligence by the government and corporate entities responsible for protecting our data. Due to this breach, I am now at increased risk of identity theft, financial fraud, and third-party exploitation.

Under FERPA, educational institutions and agencies must maintain the confidentiality of students ' personal and financial data. The unauthorized exposure of my information violates the following federal statutes and regulations : Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) : FERPA protects student records and restricts unauthorized disclosures.

Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 et seq. ) : Financial institutions, including those handling student loans, are required to implement safeguards for protecting personal financial information.

Federal Trade Commission ( FTC ) Act ( 15 U.S.C. 45 ) : Prohibits unfair or deceptive practices, including failure to secure sensitive consumer data.

Higher Education Act ( HEA ) of 1965 ( 20 U.S.C. 1081 et seq. ) : Governs federal student aid programs and mandates data security measures.

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : Ensures protection of consumer credit information, which may have been compromised in this breach.

Privacy Act of 1974 ( 5 U.S.C. 552a ) : Restricts federal agencies from disclosing personal information without consent.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Criminalizes the misuse of personal data leading to identity theft. 

Please provide written confirmation of receipt of this dispute and keep me informed on all steps taken to address my concerns. If necessary, I am prepared to take further legal action to uphold my rights and financial security.
Product: Credit reporting

I have notified Equifax several times that the following information do not belong to me. Please assist me in getting this matter resolved. I never had a PO BOX . So the XXXX XXXX XXXX that is reporting on my credit file is not mine. This may have been open as a result of identity theft.
Product: Student loan

I was going through financial hardships at the time Navient had the account now that the debt collector have the accounts they are frequently calling asking for a settlement payoff or big down payment then monthly payment which I do n't have.
Product: Credit card

XXXX on XX/XX/XXXX someone tried to open a chase card in my name
Product: Debt collection

Jacobson and Wright ( XXXX XXXX XXXX XXXX  ) left several voicemails on my father 's phone disclosing who they are, I had an account with them and that they were going to take legal action against me unless I called them back. Even after I called them and gave them my correct number they called my father 's number again and left the same message. When I finally got a hold of them I spoke to someone named XXXX and they threatened to pursue litigation against me unless I set up a payment plan with them. Before I paid anything I asked them to send me a proof of the debt, the contract I signed and their right to collect on the debt, and they refused to send me that and claimed they already had and went on to say since I was refusing to pay at that exact moment they were going to pursue litigation against me and continued to refuse to send me the docs that I asked for.
Product: Student loan

XXXX  XXXX XXXX awarded me a plus loan in the amount of {$12.00}. The school divided the plus loan into 2 semesters of {$6100.00} and set a disbursement date of XX/XX/23, a Saturday. They then claimed they would release it in 24-48 hours from that date but did not. Instead they pulled my credit 2 more times even after it was set for disbursement, hoping they could make up an excuse to not give it to me but my credit was approved. I then contacted OCR.ed.gov and they tried a mediation to get the school to release the funds and the school has not released them yet. The aid office sends me an email stating they made an inquiry as to why it hasnt been released even though they have the funds because I received my disclosures for the Plus loan with no funds received. The school is trying to blame the Department of Education and the services but they have the funds and keep refusing to process the funds as promised. I also applied for a direct plus loan for {$12000.00}. for 1 semester but they broke it up into 2 semesters of {$6100.00}.
Product: Debt collection

Holloway Credit Solutions does not meet the requirements to collect in the state of Connecticut. According to : XXXX XXXX XXXX they do not have a license to collect in the state of Connecticut when you search their company name in the search bar. They aren't providing evidence bearing my signature, nor are they providing a calculation of the amount that they claim I owe. These are illegal collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Central Financial Control has contacted me about XXXX debts that I do not owe. When I called the licensing department of XXXX the woman I spoke with said the address I gave her ( XXXX XXXX XXXX XXXX, XXXX XXXX ) was not pulling up a license in her system. Regardless of their response to my dispute, they are not legally bonded at the address they continue to use to contact me with.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have recently sent multiple letters on these dates XX/XX/XXXX and XX/XX/XXXX i also called and spoke to each beureaus representives and they all advised me to submit a complaint through the cfpb to have these un-authourized and unverifiable inquirys removed this is a violation of the fdcra since they have 30 days to respond and start a full investigation these inquirys are listed on my credit report by all three of these company 's XXXXn XXXX and transunion ( XXXX ) 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( XXXX ) 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( TRANSUNION ) 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Vehicle loan or lease

I wanted to get some help for I am being defrauded. 
I've been defrauded by a women who I dated for couple of months, I leased the car worth {$23000.00} 2019 XXXX XXXX under my name on XX/XX/2019 for her to commute because she has no credit to buy or lease the car on her own and her existing car has serious problems and so she can no longer drive that car. 

Right next day after she took the car from a dealer in XXXX, she discontinued and blocked our conversation over text and voice as well ( she did not respond nor answer my text ) and 5 days later she said she wanted to end the relationship out of nowhere. 

I asked her why didn't she tell me sooner and took 5 days without any communication or stop leasing the car when she knew that she was going to end the relationship the right next day? 
and she said she never asked for it but the fact is we've been shopping for a car over a week and I even shopped at the dealer while she was at work and sent cars information back and forth over text messages and we already discussed on the car issue quite some time and now she is trying to get away with the situation when I am left with {$23000.00} car for nothing. 

I already have two cars of my own and no other cars needed for me and I really don't know what to do with this terrible situation.

I asked the dealer if I could return the car but they said it is done deal and they won't accept it back She was there when we leased the car the whole time, she saw I signed the contract, a sales person is my witness and she was the one who drove off from a dealership and after she ran over 100 miles during the last 5 days and she left me a debt for {$23000.00} I can't sleep nor eat because I feel so sick and stressed out in this situation and needed to get help from consumer advocate like you I believe fraud is a serious crime and I firmly believe that she must take the responsibility on this matter. 
I have all the evidence such as text message conversation and witnesses. 
She resides in XXXX, California Please advise me what I can do to get out of this situation.
Product: Student loan

I have Navient, which is being sued by you all I heard. If you want my voice heard, you will hear it cause I cant seem to pay off this college loan that I have. I completed my XXXX with the University XXXX XXXX online program! I currently owe about {$16000.00} more dollars, but now it keeps going up and never down. I called Navient cause I have never missed a payment. However, cause I was paying {$260.00} a month, the interest which is about 8 % does not cover what I actually owe. In other words, Navient said in order for my loan to go down, i would need to pay {$500.00} a month. I cant afford that and I am drowning trying to pay off my other bills that I have all the while, the interest keeps building. The other problem is that i had my loans consolidated and they said because of that, its a fixed interest rate which I will have till I pay off this loan. There is absolutely nothing they can do to help this loan go away. They said there are no options for me. I can pay less, but if I pay less, the more I owe in interest! There is no way to change that. I have been with about XXXX other loan companies before Navient cause something happened to each company and were bought out by another company and have paid on this loan since 2012 I believe. From the beginning my loans were consolidated, but was never told especially now with Navient what my options were. As soon as Navient took over, i was not told what my options were, or if I could change anything to make it easier to pay off my loans. I feel cheated by Navient and the last few companies I dealt with. Also the University XXXX XXXX is a fraud! They use sales tactics to get you hooked in to enrolling you into college and use pressure with the loan comapnies. I regret ever going to college! They hooked me up with XXXX XXXX and that was the biggest mistake I ever made. I was given bad information by the university XXXX which led to XXXX XXXX which provided me with bad information and I feel cheated and deceived, and now that Navient took over, I feel no different! Now I am paying {$170.00} a month, and I am back up paying what was once lowered. I need help! I feel stuck and frustrated cause I am not able to pay off this loan that could have been paid off had it not been for the stupid interest rate! I feel for everyone else who is struggling! I thank you CFPB for this lawsuit on behalf of all of us who are struggling. Keep me informed about this lawsuit, how I can be part of it, and if this is a win, how I may get some financial relief from it! I tell people now, go to XXXX college and learn a trade or skill such as XXXX., dont go to learn and get a degree with no skill or trade! Its a waste of money and you will end up regretting it as I have with nothing to show for it!
Product: Credit card or prepaid card

I have over paid the monthly payments on this card with the acceptation of 2 payments at the regular monthly fee and the account never goes down. Usually one hundred dollars over should drastically move the balance low. 

I calculated what had been paid and also showing that I had not made charges on this card in the 4 years that the account had been active. 

See the workbook for the breakdown.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMERICREDIT, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.