23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX College is known as a scammer school that shut its doors on its students and left everyone in debt. 

I transferred out of XXXX College a year before it closed down due to the fact that I didnt believe they had given me the education they promised, they didnt train me properly, and they promised I would be finished in 2 years, which I absolutely wasnt. Nor was any of my peers. 

A year later they were shut down and I am stuck paying back {$100000.00} in student loan debt with no degree or certificate to show for it. I am struggling to make ends meet while still trying to get an education at a better school. 

I believe it is completely unfair that I was promised a good education by a scam school that eventually closed down and forgave the student loans of the students currently at the school. I was smart enough to leave to not accrue MORE debt, however, I am still paying back the loans caused by this school. 

I would like forgiveness of my loans from XXXX College or a giant percentage taken off at a better rate so I can pay back at least some and get this horrible school off my of record and off of my mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Number ; XXXX XXXX {$0.00} XXXX - - XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX XXXX - - - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} - - - 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed XXXX  XXXX  days ago I noticed some XXXX payments/inaccurate information posted on my consumer report : XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXX Balance XXXX
Product: Checking or savings account

This is my second complaint regarding this issue my account has been frozen for more than a month the citi vip team responded to me asked for my identification I submitted this and never heard anything back from them everytime I call I am on hold for at least 2 hours usually being hung up on or when I do talk to someone they tell me it's another department I have to speak to and put me on hold again this is rediculous I need my money they have no reason to hold it please help me
Product: Debt collection

Contacted me on XX/XX/2024 stated that the court office contacted them about a matter and stated that I intentionally defaulted on a loan and there was a red flag in his office stated I was irresponsible because I didnt pay the loan company back got very hostile over the phone wouldnt even tell me the company he was calling from stated he was calling on behalf of his client and I needed to pay or set up an arrangement. I ask if he can provide documentation and he wouldnt even give me that stated I needed to be more responsible was very rude and treated with such disrespect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report incorrect information to my credit report despite me disputing multiple inaccurate information for years. I was never late with XXXX XXXX XXXX. I was never late with XXXX.I was under a approved forbearance agreement back in 2016 for XXXX XXXX XXXX  and forbearance for XXXX  .Also I paid my mortgage on time during the months prior and after my forbearance agreement for XXXX XXXX XXXX.Also XXXX  shows me never late for XXXX XXXX Credit Card which is true but has failed to remove the charge off comment .In addition they show my credit age of my credit report to only be 4 years old which is false my oldest open student loan for XXXX  is 18 years old so my credit age should not just show to only be 4 years old.This is important for my credit score.Their failure to correct my credit report has prevented me from getting hired for work.
Product: Credit reporting or other personal consumer reports

I have sent numerous disputes to XXXX to dispute the information my credit, but they keep.putting it back on there and I keep getting my scores change to the point I dont qualify for an apartment or car. According to XXXX for the Fair Credit Report Act ( FCRA ) XXXX, it is against the law to put information on my credit report without my permission. Please remove these items from my report.
Product: Mortgage

On XX/XX/XXXX we contacted PNC Bank regarding a payoff on our mortgage. We were told XX/XX/10 days. I was on the phone with them for 2 and a half hours and finally they hung up on me or they said we were disconnected. We just need a payoff. My attorney has called 2 times and the new mortgage company has called so many times we don ; t know what to do anymore. The longer we wait the higher the interest rate is going to be. We need some help.We went into the branch bank near us and met 2 really nice girls who went out of there way to help us out and when they called the main branch in Ohio, they were put on hold and transferred around so many times they hung up and they work with PNC Bank. Please help me out.
Product: Credit reporting or other personal consumer reports

I initially started disputing information on my credit report with all 3 of the major credit bureaus : TransUnion, XXXX and XXXX on XX/XX/year>. I requested an investigation for multiple accounts, and after disagreeing with the results, I requested a reinvestigation. I also requested details in regard to the process that was used to 'verify ' these accounts in writing e.g. Names of whom they spoke to, phone number to the creditors, addresses, supporting documents, etc. To present day, XX/XX/year>, I still have not been provided with such information. There are inconsistencies with multiple accounts across all XXXX credit bureaus, which is why I find it hard to believe that anything was verified.
Product: Debt collection

Kickoff Lending has reported account # XXXX opened on XXXXas a debt owed by myself without any letter of verification that the debt belongs to me. Resulting in a negative payment history for the months of XXXX, XXXX, XXXX, and XXXX of XXXX. This account was opened fraudulently by someone whom stole my identity. The following is the 2nd of 2 accounts reported by Kickoff Lending. 
Account # XXXX also shows up as being 90 days late on my credit bureaus as a result of fraud. I have also asked for a letter of validation for this account and Kickoff Lending denies to share any validation or verification proving either account belongs to myself. This two accounts combine for 7 Late Payments that arent mine and should not be listed on my credit reports.
Product: Payday loan, title loan, or personal loan

Debt Recovery Solutions ( XXXX XXXX XXXX ) was set up on my checking account and they continue to deduct payment out of my account even after they was paid off. I received several phone calls from Debt Recovery Solutions threating to put out a warrant for my arrest for blocking them from going in my account. As of XX/XX/XXXX, they are still reporting to the XXXX with a balance of {$350.00}. The opening date shows XX/XX/XXXX, and this is also incorrect. I do not owe this debt and I feel that this predatory company Debt Recovery Solutions is harassing me and continuing to pull my credit down for a debt that I do not owe.
Product: Debt collection

I had to go to the emergency room at XXXX XXXX XXXX XXXX in XX/XX/2022 and after the physician told me that I did not suffer a XXXX related problem, I asked to be XXXX and allowed to go back to work. No one took notice of my request and thus several people came into the room to do all kinds of tests WITHOUT first explaining to me the reason ( s ) for said tests but also told me that ANY AND ALL fees would be covered by my insurance. I found out later that my insurance did not cover all fees. Consequently I asked for financial assistance and FULL CHARITY was granted to me by XXXX XXXX. Now I received 2 letters from Wakefield & Associates asking me to pay {$1100.00} and {$51.00} respectively for XXXX XXXX XXXXXXXX WITHOUT telling me Who was the XXXX XXXX and for WHAT? On top of that they charge me a fee of {$27.00} and {$1.00} respectively on top of the amounts charged ..... I had no job nor money to pay for these amounts. I recently got a part-time job for 16 hours per week at an hourly rate of {$13.00} before taxes and other deductions, leaving me barely enough to pay for gaz and food, not to mention that I have a XXXXyear old XXXX mother whom I have to take care of. I told whoever called me the first time to collect these amounts that they should contact XXXX at XXXX XXXX and not to bother me any longer. I need your help to resolve this. THANK YOU!
Product: Credit reporting

I have has trouble in the past as well with Equifax. 
There is another person with the same name, approx 10 years younger, lives a couple streets over and obviously different as number and birthdate. 
I was recently denied credit and shown a much lower credit score than expected. The reasoning for denial seemed to indicate things that do not belong to me. 
I once again can not access Equifax due to them XXXX our information. 
Unfortunately when resolving a similar issue with them only 2 years ago they stated they only verified name and a street and linked us together. No date of birth or ss number.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I checked my credit report, and it shows that the credit reporting agencies still have not removed all the personal names that do not belong to me. In accordance with the Fair Credit Reporting Act, the list of names below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681i ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall...

( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( II ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) ( i ) Certification of accuracy of information : If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

I have on numerous times requested that the credit reporting agencies remove those personal names that do not belong to me. I still see them on there and I also sent them a copy of my driver 's license.
Product: Mortgage

XX/XX/XXXX applied for an online quote and lock in mortgage rate for an FHA 30 year fixed loan with J. G. Wentworth Home Lending, XXXX XXXX, FL with agent XXXX XXXX.. Agent said she needed an authorization to pull my credit to lock in a rate. On XX/XX/XXXX I gave authorization. Loan agent said she locked in 3.625 rate for an FHA loan for me on XX/XX/XXXX for a 60 day lock and said she would send me confirmation of the lock. She asked me to provide all my financial information on their site which I did. She asked me to send in all supporting financial documents which I did. I called numerous times without response asking for the lock in quote she promised. No positive response. I emailed her after about 20 days of not receiving it. No response. The following day I gave her an ultimatum to send the lock in quote she promised and that J.G.Wentworth advertises that you can get the same day, and if I did not receive it I would file complaints. No response the next day but the following day I received a rubber stamped introduction letter from her stating to fill out a computer based questionaire which obviously been tampered with. No matter what figures I submitted in the 6 question format, it stated I did not qualify unless iI had excellent credit and a whopping 70 % down payment. Only under these terms would she be able to get me 3.875 %. Its obvious this was a passive/aggressive way to attempt to humiliate me by fraudulently tampering with the system she submitted to me. These are foolish qualifications which indicate to me she did not lock in the 3.625 as promised. I had already been pre qualified by two other lenders and was seeking this company because they advertised lower rates. She wasted my time, and now that my escrow is getting ready to close, my new lender wants to charge me {$5000.00} in points to bring down the current rate of 3.875 % to 3.625 %. I am accusing J. G.Wentworth of 1. false advertising, 2. false promises, 3.misleading, 4. misrepresentation, 5. improper lending practices, 6. possible mortgage license violations, 7. fraud, 8. personal financial damage, 9. improper use of my personal financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received an alert that Captial One reported and account on my credit report. Therefore, on XX/XX/2023, I sent a letter requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to with the company. Aa result, I received a response from Capital One on XX/XX/2023 requesting a credit report. Therefore, they were not able to provide evidence that this is my account. They are in violation of the following. 

On XX/XX/2023, I sent another letter requesting a " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to with the company. 

1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please assist me with this matter.
Product: Debt collection

I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried to cash a ( XXXX dollar ) check with capital one on XX/XX/XXXX. Shortly afterwards my account was put on hold. After a while I tried to contact them and only got a voicemail. Only after contacting their XXXX support nearly 3 weeks later I finally am informed that the check has NOT been accepted and my account had been closed. I take them at their word and deposit the check in another bank. A week later I received a call from the second bank ( XXXX XXXX ) that my account is being put on hold since I had already cashed the same check! Upon further research, my capital one account appears to still be open and the check deposited. When I tried to get in touch with capital one, I'm still having the same issue of getting a voice mail with nobody ever calling back! As of now it's been over a month with no resolution. This has also affected my standing with ally bank, as they now suspect me of fraud since I deposited the check again that I was told was never accepted. To be clear - my account has been on hold and inaccessible the entire time.
Product: Student loan

In XX/XX/XXXX, I had an auto-payment of {$89.00} bounce. I called, made a manual payment over the phone, which they used to cover the XX/XX/XXXX payment INSTEAD of the missed XX/XX/XXXX payment. This happened for XX/XX/XXXX as well, meaning I was technically a payment behind. Finally on XXXX XXXX, after they had called and texted saying I was behind and getting assessed a fee, I called them to make sure my account was up to date. Over the phone, the representative said yes that I was all current ( for XX/XX/XXXX ), failing to tell me that I still owed the extra {$89.00} for the payment from XX/XX/XXXX. Today, again I logged into the account, discovered low and behold I 've got a late fee and still a payment behind. Made an online payment, then called to find out why in XX/XX/XXXX I was told the account was up to date when clearly I still needed to make up the payment for XX/XX/XXXX. They said that when I called I was current because " technically '' though payments are due on XX/XX/XXXX, they do n't assess you as delinquent until XX/XX/XXXX. This still failed to explain why no one on the XXXX XXXX told me I was technically a payment behind. They did wave the late fee, but only after I raised a stink about how they should have been upfront about the fact that I was only paying the current month and not the back month.
Product: Debt collection

In late XX/XX/2020 I received an invoice from Rash Curtis and Associates, a collection agency, regarding a past due medical bill in the amount of {$1800.00} dated XX/XX/2020. After receiving this first invoice I immediately contacted the company directly asking more questions and requesting documentation that would verify the vendor, along with the amount due on the bill. The Rash Curtis associate confirmed with me over the phone that I was choosing to dispute this charge and I said yes. He confirmed that verification documents would be requested from the original vendor and sent to me within a couple of weeks through the mail. The associate also mentioned that once verified if paid in full the item would not be reported to the credit bureaus. 

About 45 days passed, which included the on-set of the COVID-19 pandemic with local counties then a full state wide shut down of operations, schools, and businesses. I was directly impacted as a teacher and public employee in the XXXX XXXX. Then I received a second invoice mid XX/XX/2020 from Rash Curtis and Associates still without any verifying documentation that indicated again the amount of {$1800.00} was due. Due to the COVID pandemic I was able to quickly obtain a copy of my credit report and noticed a collection amount added from Rash Curtis and Associates in the same amount due. In a panic, despite a lack of job and financial security I immediately secured the funds to pay the {$1800.00} amount in full. 

I immediately contacted Rash Curtis and Associates to inquire about the missing verification documentation as well as the removal of this item from my credit report and was told after speaking with several parties no, they do not remove or delete reported collections. This is again after initially being told that if paid in full the amount would not be reported to any credit bureaus. This single item has had a significantly adverse effect on my credit history, potentially for years to come.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This is a Chase business checking account ending in XXXX. On XX/XX/year>, they closed my account with no explanation. I received an email stating that I need to call them regarding to help protect against fraud. I have not done anything unusual with this account other than using XXXX ( to pay rent to someone who is the actual owner of the current address ). I called them the following day. They told me that the back office reviewed my account and decided to end my relationship. I am not able to login to my account. I have a balance of {$2200.00} owed back. As a business, I had some incoming XXXX that were in small increments which might have triggered the back office. Let me swear : I DO NOT PARTICIPATE IN ANY MONEY LAUNDERING ACTIVITIES. I am a clean person. I do not do XXXX. This has to be a mistake.
Product: Debt collection

Garnishment assigned and no verification of debt received from attorney as asked for. 
Garnishment is from XX/XX/XXXX and then again XX/XX/XXXX {$2000.00} Call place XX/XX/XXXX and was informed they would send verification of many owed, never received, Attorney states they sent letter XXXX with a response. I have never heard from this attorney. Garnishment collected twice XXXX XX/XX/XXXX and said completed Writ og garnishment Doc Id XXXX, Case XXXX I remember having a capitol one card 20 years ago, my husband has one now. Name on ganishment is not spelled right. I was informed it did not make a difference the person was me. I told them that is not how I spell my name described to them I haven't had a credit card for them in 20 years. They informed me it was to late and this will continue as a garnishment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reference number XXXX Capitol One Bank # XXXX
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 



XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ...., XXXX XXXX  XXXX XXXX ....
Product: Credit card or prepaid card

Two purchases were made on my card after I lost this card along with my wallet including my drivers license, social security number, two XXXX  credit cards. 

I notified this company within 48 hours that my card was stolen and these purchases were not me. One was for {$6000.00} and the other {$2000.00}. I had to close my bank account because of the fraud. I have told this bank multiple times I was not involved in these purchases. It is now affecting my credit score.