23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended XXXX XXXX and graduated with a worthless degree in XXXX. At the time they made promises about Job placement, expected income growth, accreditation, credit transferability ( if that is a word ) and the acceptance of there degrees within the IT workforce. All of it was lies. 

Dept. of Education : I have since paid off my federal FFEL loans and since they are at a {$0.00} balance I can't consolidate them into a " direct '' loan for refund of the almost XXXX ( estimate ) I have paid over the last 12 years as part of a borrowers defense forgiveness through the Dept. of Education with President Bidens recent loan forgiveness for XXXX XXXX student. I am falling through a crack with that plan. 

Navient : I tried to file a closed school discharge with Navient that was denied because I had already completed my worthless program before the school filed for bankruptcy. 

It is well documented that these loans private and federal were fraudulent all of the courts have already decided that ( CFPD included ) I don't know who to chase anymore. Navient just keeps redirecting my calls to debt collectors, debt collectors refer me back to navient, and XXXX is closed. 

Also there was appearently a class action suit? that was settled in XXXX that I would have been included in, but I moved in XXXX and my servicers did not have accurate address information. I have received no notifications about this suit or do not know how to follow upnon any disbersment from it.
Product: Debt collection

Perfection Collection LLC for amount of {$640.00}. This item does not belong to me, I have sent Perfection Collection LLC debt validation several times with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account with my balance fully paid off ( i.e. when I logged in, it says the balance was {$0.00} ). I confirmed with an Amex agent that I would not owe anything or have any sort of balance post-closing ( ie that there would NOT be any reversal of statement credits after I close ), so with that reassurance, I closed the card. 
However, Amex charged me {$350.00} post-account closure ( that is, they reversed a {$350.00} sign-up credit that was credited to my account, many weeks after I closed the account with {$0.00} balance ). This is a fraudulent reversal, since my balance was XXXX at close and the agent promised that post-closure, I would not be subject to the promo offer credit reversal. If I were told that the {$350.00} credit would reverse, I would have not closed the card. The current balance is higher than {$350.00} since they tacked on late fees, and I believe the min payment that is overdue is {$80.00}. I've contacted Amex to no avail, so please remove the credit delinquency from my account so that it doesn't impact my credit score, because I owe Amex {$0.00}.
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 3 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 Bankruptcy Dismissed Reference # XXXX Date Filed : XX/XX/year> XXXX  XXXX Bankruptcy Dismissed Reference # XXXX Date Filed : XX/XX/year> XXXX  XXXX Bankruptcy Dismissed Reference # XXXX Date Filed : XX/XX/year>
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX ( XXXX XXXX  PST ), I sent money to XXXX through the mobile app " XOOM ''. I sent XXXX USD. The money had to be picked up on a XXXX store ; However, when my relative ( receptor ) went to get the money, a XXXX employee told her that there was an error on her transaction, and she would not be able to get the money until the following day. Nevertheless, on XX/XX/XXXX at XXXX, I received and email from Xoom saying that the money was been picked up, and it was not. After I knew that there was a problem with the transaction, I called immediately to the Xoom customer service to find out what actually happened. They told me that they had to contact to their " partner '' which does the transactions in XXXX. On the second phone call, they confirmed that my relative did not get the money, and they argued that the problem would be solve soon. My money was taken from my bank account even when they knew that the transaction was not successfully. I called them several times, almost every day, and they kept argued that they were waiting an answer from their " partner ''. Since I did not get any concrete answer on the phone, I decided sent another complain through their website on XX/XX/XXXX. On every phone call I made they said that they would contact me as soon they get a solution for my case, and I still do not have an answer about when I will get my money back.
Product: Credit reporting or other personal consumer reports

I have encountered persistent challenges in rectifying unauthorized accounts and inquiries on my credit report, despite diligent efforts to engage with the credit reporting agency. Notably, previous disputes raised pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c2, which mandate stringent compliance with accuracy reporting and full file disclosures, have been met with inadequate responses from the agency. Despite my repeated attempts to escalate the matter and engage with supervisory personnel within the fraud and dispute departments, the agency has failed to facilitate such discussions, citing internal policies that seemingly diverge from the explicit mandates of federal law. 

Under 15 U.S.C. 1681c2, the agency bears a legal obligation to expeditiously block any information originating from alleged identity theft, upon receipt of requisite documentation, including substantiating proof of identity, an identity theft report, specific identification of disputed information, and a formal statement disassociating said information from any consumer-initiated transactions. Notwithstanding the provision of comprehensive documentation, including my driver 's license, social security card, and an FTC report, the agency has regrettably neglected to fulfill its statutory duty within the prescribed four-business-day timeframe. 

My paramount concern stems from the agency 's apparent non-compliance with federal statutes enacted to safeguard consumers against the deleterious effects of erroneous credit reporting. As such, I am compelled to signal my intent to pursue further recourse, including, but not limited to, legal remedies, absent expeditious compliance with the mandates of 15 U.S.C. 1681c2. I therefore implore the agency to promptly rectify the identified inaccuracies in my credit report and take requisite measures to ensure future adherence to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with representatives from Equifax and XXXX  that my auto loan is paid in full as of XX/XX/2020. I was advised that the account would be updated XX/XX/2020. It is still not updated. 

There are also several accounts that have been closed because they were paid in full but have not been removed from the account. They are very old accounts that never seem to go away.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On CashApp whenever i needed help with money because i didnt know who to contact or get it back, whenever i tried reaching cash app customer service it was never a direct phone number or it was always an AI helping me. it was never a live assistant. i have lost money due to this without knowing why, over hundreds of dollars over the years ive had cash app.
Product: Mortgage

My ex husband, XXXX and I obtained a mortgage loan with Wells Fargo in XX/XX/XXXX. The mortgage was in XXXX name alone however I was listed on the deed. In XXXX we did a loan modification due to a financial hardship and it the listed XXXX and I both as borrowers. In XX/XX/XXXX XXXX and I separated and he moved out of the home. I continued making the payments on time. XX/XX/XXXX I log into my Wells Fargo account to make my mortgage payment and something about forbearance immediately popped up. There was no wording about having to do a loan modification if I opted into the program. The information read like they would put payments at the end of the loan. I decided to do it with this understanding. I thought could payoff some other debts during that forbearance period. XX/XX/XXXX the forbearance ended and I had to start making the payments again. Then Wells Fargo called us saying we had to do a loan modification for the forbearance time period even if we continued to make the payment after the forbearance. I would have never opted into that program if it had said anything about a loan modification. Then we were told we were not eligible for the loan modification because XXXX no longer lived in the home. We were served with Foreclosure paperwork on Saturday XX/XX/XXXX. They will not allow me to do a loan modification by myself because they say I am not a borrower however the XXXX modification clearly list XXXX and I both as borrowers and we both signed as well and it is filed with the circuit clerks office as such on XX/XX/XXXX. The foreclosure paperwork includes interest, late fees and attorney fees as if I never did the forbearance ( cares act stated they are not allowed to charge these fees during that time of forbearance ) Now XX/XX/XXXX I was told by Wells Fargo if my ex husband and I did the quitclaim deed I would be able to do the loan modification in my name. I am now a successor of the loan but they still will not allow me to do the loan modification and are trying to move forward with foreclosure. Also on the foreclosure paperwork they list XXXX lien holders ( XXXX XXXX and XXXX  XXXX XXXX  which do not have a lien on my property. Please advise. 

Thank you! 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

those hard inquiries are fraudulent and I don't recognize : From Experian XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

XX/XX/2024, I inquired about a HELOC through my Mortgage Company, Carrington Mortgage Services. I was told that a light pull would be done for my Credit Report to see if and how much I would qualify for. I checked my credit report several days after the pull was made and I noticed that it was a hard pull that was done. I also noticed that the hard pull was done twice lowering my score tremendously. I talked to the Loan officer about the double hard pulls, he stated that he only pulled it once. I didn't debate with him I just addressed the issue and told him that he was wrong for doing it. He stated to me that I would take XXXX days for them to look over the application and they would email with an answer. 
XX/XX/2024, I received an email with the total breakdown on what I was able to receive and the closing day. 
I was told that I had approximately {$53000.00} worth of equity in my home that was available for me to use to pay off dept, home improvements etc. 
I requested a HELOC for XXXX  XXXX {$20000.00}. 
It was approved however, after all of their adding and subtracting, I was only going to receive {$6000.00}. 
I did not accept it. I was also told that it would be a total refinance. I was not requesting a refinance. I was only requesting a HELOC to upgrade my home and to pay off dept. 
I turned it down and I did not go through with it. 
XX/XX/2024, I received an email from Carrington Mortgage Services stated that my Home Equity is now at, {$74000.00}. I called in and I spoke with a Loan Officer. I asked, what would I need to do to re-apply for a HELOC.

The Loan Officer sounded like the one whom handle my application before. He was very rude, He also stated that he would need to pull my credit report again. I stated to him, " Please make sure that it's only pulled once and that it's a soft pull and not a hard pull this time.

He was very rude and said to me, " I don't need for you to keep repeating yourself to me, do you understand! '' I stated to him, that I would like to speak with a manager.

I was then just put on hold for about XXXX minutes then the call ended. 
I personally believe that Carrington Mortgage Service, has a problem with giving back money to help upgrade properties for Minorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per complaint # XXXX already filed with CFPB Equifax was to complete its investigation within 30 days. The date of this correspondence was XX/XX/2019. To date I have received no further information or update regarding this. I have supplied previously my letter directly from the creditor showing that I do not even have a debt with them. I will attach it again here. This is absolutely ridiculous!!! 

Please obtain a response from them. I have been working diligently for 2 years trying to get Equifax to update this information and they have failed me for 2 years. 

Please help or I will be force to escalate this even further. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted an application for pre approval on a line of credit through XXXX XXXX with XXXX XXXX bank. This was not supposed to be reported on my credit report if I was not approved for the credit. As soon as I submitted the application, I was disqualified and a hard inquiry was reported. It negatively impacted my credit and they refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Student loan

I co-signed a loan for my daughter for college. It was Paid in full on XX/XX/2023, but is still showing on my XXXX report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment XXXX XXXX XXXX XX/XX/XXXX {$280000.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} - XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXX XX/XX/XXXX {$900.00} - XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} - XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX  XXXX XX/XX/XXXX {$0.00} - XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - DO NOT DISPUTE RECENT INQUIRY XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - DO NOT DISPUTE RECENT INQUIRY XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - DO NOT DISPUTE RECENT INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - DO NOT DISPUTE RECENT INQUIRY XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - DO NOT DISPUTE XXXX XXXX XXXX XXXXXXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX Miscellaneous Department and Variety Stores XX/XX/XXXX XXXX personal information Also Known As : XXXX XXXX XXXX Also Known As : XXXX, XXXX XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX, TX Employers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit card

On XX/XX/XXXX, I received an email from Chase bank that they are forcefully and WITHOUT my consent and permission are enrolling " eligible Chase credit and debit cards to XXXX ''. 
I did NOT authorize, or give Chase permission to do so. 

They are making me have to OPT OUT of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX Miscellaneous and public record XX/XX/year> UNDER DISPUTE XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Mortgage Reporters XX/XX/year> XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/year> XXXX XXXX XXXX Credit Unions XX/XX/year> XXXX XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Miscellaneous Reptg . Agencies XX/XX/year>XXXX XXXX XXXX  Miscellaneous Reptg. XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX, personal XX/XX/year> XXXX XXXX XXXX other than personal XX/XX/year> XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX, personal XX/XX/scrub>XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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