23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for the SAVE program on XX/XX/XXXX, my loan servicer is Nelnet. I have struggled to get information from them on the status of my application, it has been over 6 months. I have repeatedly logged in to get more info on if my status has been approved, which in XXXX XXXX XXXX XXXX of XXXX included a message about how I had been sent more information via mail or email. I never received any email or mail with more information for next steps. I verified both my mailing address & email were up to date, I just wasn't getting communication. I called, connected with a representative after 3hrs on hold early XXXX of XXXX, who told me I needed to pay a {$5.00} for changing my plan, which I paid over the phone. About a week after this call on XX/XX/XXXX I finally received a virtual letter in my account inbox stating I needed to send in {$5.00}, which had already been paid at this point. I received no more updates except for a pop-up on the website telling me that my " loan is still processing, check back in 10 business days. ". I called today for another update ( XX/XX/XXXX ) & was told by a rep that I should be getting emails or inbox messages on their website every 10 days from Nelnet with updates on my loan. I have not received these, which the representative confirmed on their end as not being sent to my inbox. I am on an administrative forbearance til XXXX while they " process the application '', but I am still accruing interest daily, which I have been for over 6 months now. I can not get answers, they just say the application is still in process.
Product: Student loan

I began college in XXXX. I applied for a loan with Sallie Mae because my college, XXXX XXXX in XXXX PA, refused to give me financial aid because my parents income was " too high '' despite the fact that they did not help me. I applied with a cosigner and every loan I took out raised my interest and my payment. I was told when originally taking out my loan that it would not affect me taking out multiple loans instead of one per semester. They pushed me to take out multiple loans rather than one large one. Even when my father, who has the larger income, was out of work, we asked for help or financial aid and XXXX told us to pull me out of school if I could not afford it. Sallie Mae also refused any help despite the sole income for my payments being on disability. I was told after college that I would be offered different repayment plans to help pay because of my high interest rate. I graduated college in XXXXXXXX XXXX XXXXXXXX. A year went by of deferment and I was told I could apply for a " graduate '' repayment plan for a year after. I called one month for my last deferment plan and they told me I had until ___ ( I can not remember the exact month ) to apply for the graduate repayment plan. I called back before the end of the deadline that I had been told, that I was too late to apply for it. I told them that I was unable to pay my loans with my current income and asked for an income based repayment plan. They told me they do not offer that, but if I let my payment default, that the collections people would offer me other solutions for payment options. I asked to speak to them before then because I did not want to miss my payment and they said no. I let my payment default, with no other option, and they told me my only option was to pay my payment. The payments I have take up my entire paycheck and leaves me with no extra money left over. I went back to school and took classes to help defer my payments with interest only payment and still have been offered no help with repayment plans. I have asked monthly about any help they could offer and have been told I'm out of luck every time I have asked. I have also tried to refinance through multiple companies and been denied because no company wants to refinance a Sallie Mae loan. Even now, I have asked for an income based repayment plan and been denied. My payments now, without school forbearance, would be around {$2700.00}. My current income is {$3700.00} a month, leaving a {$1000.00} for food, rent, car payment, and other living expenses for a month. I am unable to pay this and have expressed this to Sallie Mae multiple times with. no help. I am constantly told that it is my problem and they have no help to offer me. My current loan total is {$170000.00} for an undergraduate degree. I have been taken advantage of by XXXX XXXX and Sallie Mae, starting when I was XXXX and a first generation college student. I did not know what I was doing when I was younger and now have to suffer the consequences of my naivety.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked as inaccurate # XXXX and XXXX and XXXX
Product: Student loan

I was XXXX and didn't realize loans from alaska post secondary education commission were " private '' loans and yrs later I fell on hard times and had a deferment on the XXXX, XXXX XXXX ( XXXX ) and XXXX XXXX at the time. I mistook the APSEC loan with federal and ended up defaulting on it. the loan in return goes from $ XXXX into $ XXXX. I would have to find the paperwork for specific dates, but this happened around XX/XX/2012. I've tried calling many times to APSEC and I'm always reverted to XXXX XXXX because they are the collection agency, which they are no help other than paying off the entire balance or 90 %. I can't believe there is no way to get out of default like with a rehabilitation program or anything. perhaps consolidation, but it is just crazy how the balance doubled - it is extortion. especially, since the XXXX financial advisors were basically just salesmen to XXXX yr olds just, like, " oh yea we can get you the money. '' XXXX is in a fact a for profit university just milking ease of student loans. I honestly wish I never went to college after this experience. DO NOT TAKE OUT AN ALASKA POST SECONDARY LOAN. 

of course many will just say " didnt you read the fine print. '' well, struggling and juggling multiple lenders, I didn't realize it was separate from federal loans.
Product: Credit reporting or other personal consumer reports

I authorized both verbally and in writing for the furnisher ( XXXX of XXXX ) in question on XX/XX/year> to run a credit inquiry for a loan with XXXX XXXX XXXX XXXX since they closely partner with them and that was my financial institution of choice. Rather than secure financing and bring in a certified check they requested I go straight through them as they partnered with my bank. 

My loan was secured with my bank however after reviewing my credit I see that on XX/XX/year> there was a hard inquiry from XXXX XXXX ( Auto ), XXXX XXXX XXXX, as well as XXXX XXXX XXXX  ). At no time did I approve for or was notified that my credit would be run for a second and third hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my XXXX report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX I am asking that these items be removed from my credit report.
Product: Credit card or prepaid card

Around XX/XX/2019, I purchased 20 items of clothing from XXXX - an clothing apparel retailer located in XXXX. I paid a total of {$390.00} for order # XXXX. 
On XX/XX/2019, XXXX did contact me to inform me that 3 pieces would not ship and they have already refunded {$73.00} to my credit card. 
I received 1/2 of the order ( 10 pieces ) and I was very displeased. The clothing items were of poor, poor quality and did not look like the pictures of the items as advertised on the company 's website. 
To date, I have not received the balance of the order ( 10 pieces ). 
On XX/XX/2019, I emailed XXXX  via email and I informed that that I was very displeased with their product of poor poor quality of the 10 items received, and that I did not receive a balance of 10 items. I informed XXXX that I wanted to return their merchandise for a full refund of {$320.00}. 
The XXXX customer service representatives and I emailed back and forth from XX/XX/2019 until XX/XX/2019 with no resolution. XXXX was toying with me with no intentions of refunding not allowing me to return the merchandise. 
Bottom line, XXXX is a fraudulent retailer who is guilty of false advertising and scamming customers. 
XXXX ships extremely poor quality merchandise. XXXX does not ship your complete order and claims that they did. 
XXXX says that they will allow you to return the merchandise but : a ) They will not provide you with a Return Authorization Form with return instructions ; b ) The warehouse XXXX advised me to return the merchandise to is bogus. I called the warehouse and spoke to XXXX XXXX ( XXXX ) XXXX-XXXX and he stated that he is not affiliated with XXXX. 
XXXX also pretends as if they dont know the style # s that I am referring to even though I have provided them with the order # s and pictures. 
Around XX/XX/2019, I called and reported this crime to the Fraud Department of my credit card merchant who paid the {$390.00} to XXXX - Capital One / Case # XXXX. 
I received a letter from Capital One dated XX/XX/2019, informing me that Capital One had credited my account the amount of {$320.00}. The amount of my dispute. 
However, on XX/XX/2019, I noticed that Capital One deducted the disputed amount from my account. I called Capital One to inquire and I was told that the merchant ( XXXX ) had responded and denied my claim. Capital One asked me for documents to support my claim. On XX/XX/2019, I faxed 17 pages of emails, copy of the order and pictures to Capital one. 
On XX/XX/2019, I called Capital One to inquire about the status of my dispute. Capital One claims that they did not receive a thrid-party approval and have denied my claim. 
What I want is : 1 ) Capital One or XXXX  must refund the {$320.00} to my account ; 2 ) XXXX should be investigated and banned from selling to individuals in the United States. 
P.S. I still have the 10 pieces of poor quality garments that I received and can provide them to you as further evidence if needed.
Product: Credit card or prepaid card

I have had Capital One for Months with a XXXX limit. I use to pay them online they lost 3 payments and I resent them. I started calling them to pay it was working fine paying that way for months. This month of XX/XX/2022 I paid by calling in they took the money off my XXXX card 2 days later Capital One says XXXX took it back. I responded HOW 2 days later they took it back this makes 4 times Capital One says you're payment was returned I contact XXXX  they say Capital One is Lying. I tell Capital One to cancel the card I repeat I Told Capital One to turn this card OFF! A day later my balance is XXXX and on my Credit Report Capital One said They turned the Card of. And put it on my Credit Report they are liars thrives Con Artists They steal my money 4 times I repay 3 lie about cancelling the card and put it on my credit report. All this trouble for a Irreverent {$300.00} credit limit. I want to go to court with them my transactions are Recommended and Proof I paid but they told me to get a Lawyer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent copies of a paid collection agreement and proof of payment of {$300.00} taken out of my account on XX/XX/XXXX to all XXXX credit bureaus Transunion, XXXX and XXXX and asked them to please remove collection status to show paid. I disputed 1st with all 3 bureaus to be told that it was investigated and the account was valid, then i sent proof showing that it was in fact paid and they still said the collection was valid. I am trying to purchase a home and this is still showing derogatory. Could you please help me?
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing several violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws that have impacted my credit report. These violations include : Willful Noncompliance ( FCRA Section 616 ) : The credit information was accepted without verification of its accuracy, which is a violation of my rights under the FCRA. This noncompliance can result in civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The credit reporting agency failed to inform me of my right to opt out of having my personal information shared, which is a deceptive omission and a violation of my consumer rights.

Inaccurate Reporting and Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were reported without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ). This constitutes deceptive reporting under the FCRA.

Debt Collection Violations : The reporting of inaccurate debts without my consent constitutes unfair debt collection practices. Additionally, debt collectors improperly contacted third parties to report my alleged debts, violating regulations that prohibit disclosing debt information to third parties without consent.

Late Payment Reporting : " Late payments '' were inaccurately reported on my credit report, without clarification of what constitutes a late payment, thus misleading and distorting my credit history.

Finance Charge Determination : The credit reporting agency failed to accurately determine finance charges, which is part of their responsibility under the law.

Permissible Purpose Violations ( FCRA Section 1681b ( a ) ( 2 ) ) : Unauthorized hard inquiries were made on my credit report, which were not made for permissible purposes as outlined under the FCRA.

Due to these violations, I have requested specific actions, including the deletion of inaccurate personal information and the correction of late payment entries. Additionally, I have demanded validation of several alleged debts in accordance with FCRA Section 1692g, which requires debt collectors to prove the validity of the debt before continuing collection efforts. If the requested documentation and corrections are not provided, I have made it clear that I will seek legal remedies for these violations, which could include pursuing claims for willful noncompliance under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Inaccurate Late Payment Reporting - XXXX XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally dispute inaccurate information related to late payments on my credit report for the following account : Account Information Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX Credit Card XXXX Opened : XX/XX/XXXX Balance : {$4200.00} Monthly Payment : {$160.00} Recent Payment : {$830.00} as of XX/XX/XXXX I have identified an error in the reporting of late payments. I was never late on this account, and the reported late payments are due to a billing discrepancy. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate and can be verified. Given that the reported late payments are inaccurate and can not be verified, I kindly request that these late payments be removed from my credit report. 

Please conduct an immediate investigation into this matter, and if the late payments can not be verified as accurate, they should be deleted. Additionally, I request a written confirmation once the necessary corrections have been made to my credit report. 

I look forward to your prompt response and thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Allied Interstate continues to call my home for a person who does not live here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says 100 accuracy not 60 or 70.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made contact with Possible Finance to ensure my final money order was received for payment. I was advised by XXXX that it was received. A few days later I get a notification that Possible Finance reported me to the bureaus as 60 days late. Mind you, I sent both payments on one money order for the total amount owed back in XXXX. Here we are late XXXX and nothing has been updated. Theyre illegally reporting me late, causing my credit score to drop in lieu of 100+ points for something that is not true. Ive reached out over 4 times, requested a supervisor no response. Reached out to a contact I was given from the CEO and then I finally got a supervisor. I advised her given the lack of urgency I would need this to be resolved by Friday XX/XX/XXXX. She never reached out to follow up or respond to my email on XX/XX/XXXX. XXXX the supervisor I got in touch with reached out XX/XX/XXXX and I allowed her 48 additional hours to research and resolve a very simple complaint, that has been nothing short of complex on my end. Possible Finance is illegally reporting consumers as delinquent and advising we need to wait for them to check the mail, update the records, and submit to the bureaus. This is a clear violation of the Fair Credit Reporting Act as nothing theyre sending is actually accurate, neither is it fair treatment to consumers. Ive waited way too long, and at this point Im not going to wait any longer. Their business practices are extremely unethical. Their response times are entirely too delayed. They do not have a phone number for consumers to make contact with. Therefore we are stuck being bounced back and forth between their super delayed email responses.
Product: Debt collection

On XX/XX/XXXX, I wrote all three credit bureaus requesting that Midland Credit Management , Inc validate the debt on my credit files. The credit bureaus said the accounts were verified, but never provided how they verified the accounts with documentation which I requested in my letter to them with in 30 days. I received correspondence from Midland Credit Management on XX/XX/XXXX, in response to the XX/XX/XXXX, letter to the credit bureaus. They mailed an itemized print out of charges that are not familiar to me. They didn't provide the original contract or anything with my signature, no copy of their license to show me that they are license to collect money in the state of MD. Then they requested information from me regarding my dispute and stated that if its in error provide documentation. So in other words they want me to do what I asked them to do which is validate the debt. Also, an itemized statement does not prove nor validate the debt on my credit file. 

15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- 15USC1692f states that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally address ongoing issues with XXXX credit reporting on my profile. Despite multiple disputes filed with XXXX regarding certain accounts, these inaccuracies remain on my credit report, negatively impacting my financial standing and overall creditworthiness. 
I have disputed these accounts on XXXX and have followed all necessary steps to provide supporting documentation to back my claims. However, these inaccuracies have not been corrected, and the accounts continue to be reported incorrectly, making it clear that XXXX has not investigated my disputes thoroughly or in compliance with the Fair Credit Reporting Act ( FCRA ). 
As a result, I am a victim of erroneous and damaging reporting, and I demand that all inaccurate information be immediately and permanently removed from my credit profile. I expect that XXXX will take prompt corrective action to ensure the accuracy of the information they report. 
XXXX LATE PAYMENT key point inquiry INQUIRY XXXX LVNV FUNDG INACCURATE NAME XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent dispute letters to XXXX and after i did they sold my debt to someonesle. i have also file disputes with jefferson capital systems and yet to hear from them. Im sick of them ignoring my request to resolve my credit issues
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : Discover/ account number XXXX