23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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  The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a dispute letter on XX/XX/2022 demanding they delete the inaccurate accounts on my credit report. XXXX violated my rights as a consumer and published my personal information without my consent, I never gave XXXX permissible purpose. I never wrote to XXXX telling them they can publish my information.
Product: Payday loan, title loan, or personal loan

Emoneyusa has charged me more money than I should've had to pay because on, one of their representatives sent me a personal email with another account holders information when I asked if they could push a payment back till my next payday. This email came after I called the company and explained to them that my employment got effected by COVID-19 and I need another week to pay my payment. The representative told me over the phone that they would be able to do that. When I got the email showing a mixed up of client information, I contacted the company twice to fix this before they would pull a payment out of my account. The problem was not corrected as promised, a payment was pulled and put my bank account in the negative. 

Also, I did pay the loan off in a timely manner and the account is closed. However, now it is still being reported on my credit report as having a balance of {$360.00}. I contacted them to ask them to update this information and they still haven't done so.
Product: Money transfer, virtual currency, or money service

I am currently in the process of filing a formal complaint against Cash App due to a series of unresolved issues that have been consistently affecting my account. For quite some time now, I have encountered persistent difficulties with various transactions, some of which have failed to process correctly, while others have been delayed significantly. This ongoing problem has caused considerable disruption in managing my day-to-day finances and has hindered my ability to make essential purchases when needed. 

In addition to these transaction issues, my attempts to contact Cash Apps customer support have proven to be exceedingly frustrating and unproductive. I have struggled to reach a representative who possesses the knowledge and capability to address my specific concerns or help me resolve the errors associated with my transactions. This ineffective communication process has only amplified my stress and frustration regarding the situation, leaving me feeling isolated and unsupported throughout this ordeal. 

Moreover, I have been trying to dispute several unauthorized charges on my account, but each time I reach out, I encounter an impenetrable wall of silence. No one seems to be available to assist me, and changes have been made to my account that I did not authorize, further complicating my financial management. 

Given the gravity of these circumstances, I feel it is absolutely necessary to formally address these concerns in order to seek a satisfactory resolution. By filing this complaint, I aim to shed light on the difficulties I am facing and hope to receive the urgent assistance required to rectify these matters promptly.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX  XXXX ...., XXXX XXXX  BANK XXXX ...., XXXX  XXXX BANK XXXX ....
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/ I was a victim of scam by a third party. My cousin told me about a cash application if I send {$400.00} they will approve me to get back {$8500.00}. I taught it was like a payment plan. I connected to the other person doing the application name XXXX XXXX XXXX. We started the process she gave me her email to XXXX the {$400.00} to start, then to release funds she told me to send {$1100.00}. So I did. After a coupke pf hours I saw there was something not right then I Call bank of america right away to alert them and let them now something was fishy and that I was scam. Since today XXXX, XXXX, Bank of america havent reach still investigating dont want to accredit my money.
Product: Debt collection

During XX/XX/XXXX, I went online for a payday loan. I received a noticed I am approved for {$400.00}. I asked this company do they have licensed to lend in Virginia, they advised me they are license in Virginia. I never did received the loan in my bank. The next month, I noticed they took money from my account. I called the bank advising them of unauthorized action on my account, to close our account. I also check with the State Corporation Commission of Virginia to see if XXXX XXXX was granted license in Virginia. I was told XXXX not licensed in Virginia to do payday loans. On XX/XX/XXXX, we filed a Chapter XXXX Bankruptcy, inserting all out debts to include XXXX on our Petition. On XX/XX/XXXX, we were grant a discharge from all our debts. About two months ago, it appears XXXX, sold the fraudulent loan to AD ASTRA RECOVERY SERVIC. Now this debts is showing on all credit reporting agencies.
Product: Debt collection

Convergent Outsourcing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX, Convergent Outsourcing is blatantly reporting to credit bureaus false information about a debt I do not owe to XXXX that dates back to 2013. Account was closed and no monies are due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts and 20 inquiries on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently lost my wallet and had my identity stolen and i contacted the proper authorities. In addition to having my identity stolen i also had my personal information exposed in several datat breaches including the XXXX data breach, the equifax data breach and the XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
Product: Credit reporting or other personal consumer reports

On or around XXXX XXXX XXXX XXXX XXXX reported my account to the credit bureaus without my permission. 

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This is against the law. XXXX XXXX XXXX did not have my permission to disclose any of my personal information without my written instructions. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

On XX/XX/2013 I suffered a XXXX from a XXXX injury I recieved while at work. For the first few months I was able to make my house payment until XXXX XXXX stop ( was at that time fighting them XXXX and waiting for Social Security XXXX to start and fell behind XXXX XXXX months. I was excepted to the XXXX Our Home XXXX Program through the State of XXXX Department XXXX XXXX and a deal was make with US Bank Mortgage. The deal was that during the program all payment would be made and the XXXX XXXX months due would be brought current at the end of the program. Long story short, I made all my payment on time as instructed through the program and graduated at which time everthing was brought current. Durring the time in the program, US Bank Mortgage reported all payments as late pays on all of my credit Bureaus.I have asked them to reverse this due to the fact that was in the program and made all my payments on time as agreed to with the deal that they have made with the XXXX XXXX XXXX XXXX XXXX and they refuse to do so. Please help me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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. 

TransUnion Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Employer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

As people lose their jobs, my family and I are in dire need of a dollar .. Paypal Bank has grabbed my money and suspended my account. 

The bank informed me that the funds will remain on hold for 180 days since my last account operation and the last transaction was on XX/XX/XXXX That period expired on XX/XX/XXXX However, my account was suspended I have contacted Paypal Bank several times and they have told me that at the end of 180 days they will inform me of how to withdraw my money, but until that moment I did not receive a response from them. 
So I contacted their support account on XXXX and explained it to him all, so he told me that I can withdraw my money. 
I told him that I can not add a payment card until I can withdraw the money So tell me that I should try to link the visa and then stop to answer me. 
the documents First : My Paypal bank account address is XXXX Second : The last transaction was in my account on XX/XX/XXXX Third / The account has been suspended since that date and for a period of six months ending on XX/XX/XXXX Fourth : I sent support to Paypal on XXXX, they told me that I can add a visa ( attached photo of their response ) Fifth : My account is still pending and I have not been able to add a Visa to the Paypal account in order to withdraw money on it ( Attached copy of the visa rejection )
Product: Debt collection

There is a company named XXXX XXXX XXXX that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real.
Product: Credit reporting or other personal consumer reports

There has been numerous of inquiries been pulled from my personal credit account with out my authorization and thats fraud. Im not aware of any of those transactions
Product: Debt collection

I have called the company CONVERGENT OUTSOURCING, INC. which is debt collector for XXXX. I have disputed the bills on call XX/XX/XXXX ( XXXX XXXX ), they never sent me actual bills I owe to XXXX. 

They have 2 departments, Pre collection department said they have no infromation from XXXX or have not reported my account to Credit agency >> Call 1 ( XX/XX/XXXX XXXX XXXX Pre Collection ) : Agent 1 said the account was disputed by customer and sent back to XXXX. Has no reference of being sent back from XXXX. Then on my saying that my credit have been spoiled by your company, searches for the account and finds it in another department. Gives me number for another department. 

Call2 ( XX/XX/XXXX XXXX XXXX Post collection ) : Agent 2 said XXXX sent back account on XX/XX/XXXX and they called me several times.She says '' I picked up phone and said it was wrong number. '' Agent claimed she has no address of me on file. 

Truth : I never picked up the phone, Also CONVERGENT have sent letter to me on XX/XX/XXXX ( which means they have my address ). They are lying. They also reported the amount to credit agency without sending me any communication after disputing the bills.example ( Actual Bills from XXXX   )
Product: Debt collection

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company Jefferson Capital System has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return card bearing my signature, the shipping number, and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card proving that they sent me the notice at least XXXX business days before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX XXXX XXXX Account numberXXXX. 
XXXX XXXX  Account number XXXX. XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX ( reporting to experian ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions and was not authoized by me. 
. I am requesting that these accounts be removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, WAYPOINT RESOURCE GROUP add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WAYPOINT RESOURCE GROUP has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I have incorrect information reporting on my consumer report with account XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX is reporting late payments which is inaccurate.
Product: Credit reporting or other personal consumer reports

I am bringing to your attention the continued verification of inaccurate information on my credit report. Attached are letters that clearly show the reported data is incorrect. Despite receiving this evidence, your agency has not taken the necessary steps to correct or remove the inaccurate information, and it is still being reported as accurate.

This failure to address the inaccuracies violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates proper investigation and correction of disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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: Credit reporting or other personal consumer reports

I acknowledge the time you have dedicated to rectifying the presence of fraudulent entries in my file arising from an alleged identity theft. However, several items still persist that necessitate removal. This marks my seventh complaint regarding identity theft victimization. In accordance with the Fair Credit Reporting Act Section 605B, ( a ), it is mandated that you expeditiously eliminate any items opened without my knowledge, consent, or authority within four business days. This removal requires the submission of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer affirming that the information does not pertain to any transaction by the consumer. The following fraudulent items require removal : 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 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CRA violation I have no knowledge on the fraudulent accounts appeared on my Experian credit report. FTC ID Theft Report # XXXX