23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to file a formal complaint against XXXX regarding the denial of my request for student loan cancellation and refund of all monies paid. This complaint is based on the grounds that I was misled by my school, and my loans originated between XXXX and XXXX, which makes them eligible for cancellation under the current guidelines. 

I enrolled at Art Institute during XXXX and took out private student loans through XXXX ( formerly XXXX XXXX ) as well as federal loans to finance my education. I was assured by the school that the education I would receive would lead to gainful employment and that their programs were highly regarded and accredited. However, I later discovered that these claims were misleading and that the school did not meet the promised standards. 

I have applied for the Borrower Defense to Repayment application with the federal government and was approved, with all funds refunded. 

Here are the grounds for my complaint : Misrepresentation by the school : The school made false and misleading statements regarding the quality and accreditation of their programs. Similar to the case outlined in the lawsuit against XXXX XXXX XXXX ( XXXX ), where the schools made false claims to obtain financial benefits, my school engaged in deceptive practices to enroll students. 

Eligibility for Loan Cancellation : As per the current guidelines, XXXX borrowers with loans originated between XXXX and XXXX can apply for loan cancellation if they were misled by their school. My loans originated during this period, and I was clearly misled about their educational value and career prospects. 

Previous denial by XXXX : Despite providing evidence of the misleading practices by my school, XXXX denied my request for loan cancellation. This denial is unjust and does not align with the protections provided under the False Claims Act and the principles of consumer protection.
Product: Debt collection

Received 3 phone calls from ( XXXX ) XXXX. I called to find out why they keep calling me. They ask my name, ask to verify my address and ask to verify the last XXXX of my social. Then they tell me I owe them {$12000.00} for an auto loan in the late XX/XX/1990 that they purchased the debt for. I tell them I never made an auto purchase in the late XX/XX/1990 and that this is fraud. They tell me they will close out the account and I do not owe them and thank me for my time. I told the lady I would be reporting them for fraud. So she starts to argue with me and then hangs up.
Product: Checking or savings account

This complaint is against following entity BANK OF AMERICA XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I went to XXXX for a project in XX/XX/2007 and from there I moved to XXXX where I opened a savings account with the above-mentioned entity. Due to the premature closure of my project, I have to return back to XXXX. I opened my account with {$250.00}. When I reached BOA for refund of my savings, I was told that there is some problem in their computer system therefore they will not be able to refund my amount immediately. They promised to return it to me later by way of XXXX to my XXXX address which has yet not been received. I have made several communications with them which all went in vein. I have last year couriered them a request letter for my refund but they haven't replied yet.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH
BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

I received a letter from First National collection bureau regarding XXXX funding. I have documentation from XXXX who told me they are not going to attempt to collect on this because its over 10 years old and they are barred from trying to collect on it. But XXXX broke their promise and still are trying to collect on a 10 year old debt. A debt is suppose to stay on your credit for 7 years and fall of, but they keep trying to collect on it.
Product: Debt collection

Focus Receivable Debt Collection Agency is constantly calling with a recorded message. Do not tell who they are looking for. Returned call and no XXXX answered. Called again the next day and was hung up on. No one in this family has a debt that is n't being paid monthly. Today someone answered and they wanted all kinds of information like my name and telephone #. I told them that since they were not telling me who they were looking for then then they were not getting my personal info
Product: Student loan

When trying to make a payment or get in contact with someone it is nearly impossible. The past two years Navient has not posted my payment to my account on time and it has been reported to the credit bureaus as being late or not received at all. They will then proceed to call and harass me for payment. Navient has beyond damaged my credit score.
Product: Payday loan, title loan, or personal loan

I want to file a complaint against Cashmax a employee XXXX XXXX at the location CashMax - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, TX On XX/XX/2022 have been charging my bank card account for the wrong amount this is not the first time he have wrongful charge my bank card I have proof where my bank blocked and rejected the withdraw XXXX XXXX tried to withdraw from my bank card of {$190.00} without my authorization or consent when my loan payments is {$150.00} I have been struggling to pay theses fees
Product: Credit reporting or other personal consumer reports

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit collection account XXXX XXXX XXXX XXXX Bank was deleted from my credit report, between XXXX XXXX and XX/XX/year> XXXX bank and XXXX Card was added back to my credit report XXXX XXXX According to the FCRA Reinsertion law 1681 I & subsection XXXX if any information is deleted from a consumers 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. Best Regards, XXXX XXXX.
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 has violated my rights.
Product: Debt collection

Sunrise credit services has been recruited by XXXX XXXX XXXX to collect debt from a fraudulent account. 
I have attempted to reach out to Sunrise Credit to send me paperwork to dispute this fraudulent. 
I have also initiated an inquiry with XXXX XXXX XXXX, but haven't heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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: Debt collection

Attatched Equifax letter XX/XX/2020 states : ( WE WERE UNABLE TO LOCATE A CREDIT FILE IN OUR DATABASE WITH IDENTIFICATION YOU PROVIDED )??? 
What happens to a XXXX year old womens credit history? WHY HAS MY INFORMATION BEEN DELETED FROM EQUIFAX FILES? 
see attatched PO proof delivery XX/XX/2020 I SENT ALL THIS INFORMATION TO EQUIFAX. AND NEVER HEARD ANY FOLLOW UP WHY THIS WOULD HAPPEN? I HAVE ASKED FOR A STATUS OF MY ACCOUNT NUMEROUS TIMES TO NO AVAIL. WHY DID MY DATA OF ( XXXX ) years DISAPPEAR IN YOUR DATABASE.???
Product: Debt collection

An AC purchased from XXXX XXXX over year and half. Next day returned due to malfunctioning item. I was told it will be credited back to my Home Depot Card XXXX. A year later, a bill of the item has arrived with the charges, from that moment after today I called the Home Depot complaint depart.and in person at the store where was returned and never solved the issue.Today, I am in the middle of a purchasing a home but I'm getting close to be rejected due to this debt thats decreased my credit score. 
I spoke to two of the representatives from XXXX dispute dept. Whom can not expedite the process. I am begging you to please help me solving this uncomfortable issue, I'm getting afected financially due to lack of interest from the Home Depot store in processing each credit properly. The seller of the home I'm purchasing is giving me one more week to close the deal otherwise, I will be loosing some of the money I put down for it. 
I'll be waiting for your prompt response. 
Best Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M FILING THIS DISPUTE WITH THE CFPB ONCE AGAIN DUE TO EXPERIAN FAILURE TO VERIFY THE INFORMATION SUBMITTED TO THEM BY XXXX OF THEIR PAID SUBSCRIBERS, XXXX XXXX XXXX  I HAVE DISPUTED THIS ACCOUNT NUMEROUS OF TIMES & SUBMITTED SUPPORTING DOCUMENTATION, AND ALWAYS BEEN TOLD THAT THE INFORMATION WAS VERIFIED AND REPORTING ACCURATELY ACCORDING TO THE FCRA LAWS, THE LAST XXXX DISPUTES ALONE, ( XXXX ) HAS FALSELY CERTIFIED THAT THE INFORMATION BEING REPORTED ON MY EXPERIAN CREDIT REPORT IS ACCURATE THIS WAS INVALIDATED ON XX/XX/2023 WHEN I DISPUTED THIS ACCOUNT PAYMENT HISTORY FOR THE XXXX TIME ( XXXX ) FINALLY MADE XXXX CORRECTION ON ACCOUNT ENDING IN XXXX THAT ( XXXX ) PREVIOUSLY CERTIFIED UNDER LAW TO EXPERIAN THAT WAS REPORTING ACCURATELY XXXX TIMES PREVIOUSLY SO I MUST ASK WHEN WILL MY CONSUMER RIGHT BE HONORED TO HAVE INACCURATE ACCOUNT INFORMATION DELETED NOT MODIFIED THIS HAS BEEN MY ONLY REQUEST IF IT WAS TO BE FOUND THAT ACCOUNT HAS NOT BEING REPORTING ACCURATELY TO DELETE ACCOUNT NOT UPDATE AFTER BEING GASLIGHTED AND NUMEROUS STALL TACTICS USED AGAINST ME I HAVE ATTACHED SOME OF THE SAME DOCUMENTS AND SOME NEW SUPPORTING DOCUMENTS SHOWING THE GASLIGHTING AND STALL TACTICS AND JUST PLAIN DISREGARD OF MY REQUEST OF INFORMATION AT THIS POINT IM READY TO MOVE FORWARD WITH LEGAL ACTION AGAINST EXPERIAN FOR ALLOWING ( XXXX  ) TO REPEATEDLY CERTIFY FASLY TO THE ACCURATE INFORMATION OF ACCOUNT WHEN THE ACCOUNT IS NOT REPORTING ACCURATE AND STILL IS NOT REPORTING ACCURATELY
Product: Credit reporting or other personal consumer reports

Per the Fair Credit reporting act 15 USC 1681 section 602. XXXX an XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information is not shared which is 15 USC 6801. It is also congress policy that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers personal information. The financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial intuition may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' They never informed me of my rights to exercise my nondisclosure option. According to 15 USC 1681 ( a ) ( 5 ). Except as authorized under subsection ( b ). This account is an adverse item they are reporting again without my permission which is against the law. Per 15 USC 1681s-2 ( A0 ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person believes it is inaccurate. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 " A consumer may exercise r\the right to opt out at any time '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to you to formally notify Equifax, XXXX the Consumer Financial Protection Bureau XXXX CFPB ), of my status as a victim of XXXX XXXX, as per Regulation V, specifically 12 CFR 1022.142 ( b ) ( 6 ). 

Enclosed, please find copies of documents that were sent via XXXX on XX/XX/2024, including : *XXXX XXXX XXXX XXXX  *XXXX XXXX XXXX  *Government Issued ID, as required by 12 CFR 1022.142 ( b ) ( 1 ) These documents serve as evidence of my situation as a XXXX XXXX XXXX XXXX and my request for assistance in accordance with Regulation V. 

I am requesting that Equifax takes immediate action to block the accounts referenced in the attached Self Attestation Affidavit from my consumer report, as mandated by Regulation V, specifically 12 CFR 1022.142 ( b ) ( 6 ). Despite my previous correspondence and submission of required documentation, Equifax has not yet complied with Regulation V. 

I urge Equifax to promptly address this matter and take the necessary steps to ensure compliance with Regulation V in order to protect my rights and privacy as a XXXX XXXX XXXX XXXX 

Please acknowledge receipt of this notice and provide confirmation of the actions taken to comply with my request. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureau and the company asking them to validate the account and any information they have proving it belongs to me and they have not done so and it 's been over 30 days.
Product: Credit card

In the fall of XXXX, I let someone use my credit card for some purchases. In either late XXXX or early XXXX of XXXX, I then changed my credit card account number with Chase so that this other person would no longer have access to my account. During the call with that representative, I expressly stated that my intent was to prevent this other person from being able to access my card. Fast forward to XXXX, XXXX when {$8500.00} dollars in charges that I did not make were made to my new account. It turns out that the other person who used my card last year had made payments using XXXX XXXX. Without any way of me knowing ( or taking any interest in informing me when I changed my credit card account number last year ), Chase automatically updated that XXXX XXXX account with my new account number. Chase tells me that it is all my debt, even though they are the ones who enabled the other person to make the charges in XXXX of XXXX. Chase could not have been a more effective accomplice to helping this other person rip me off.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received by mail a fraudulent 1099-k form, from Cashapp, reporting {$1200.00} in payments.

I have never used Cashapp and I have never had a Cashapp account. 

I contacted Cashapp by phone on XX/XX/year> and asked them to issue a corrected 1099-k showing XXXX amounts. They requested an email address, and sent me a form email to suggesting I report this to identitytheft.gov but offering no assistance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked on my credit report and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year>, to investigate these accounts XXXX  sent certified mail. they sent me their investigation and said those accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an any item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.
Product: Vehicle loan or lease

My car was reprocessed on XX/XX/XXXX and I contacted 5 Third Bank on XX/XX/XXXX. I never received a phone call or an inquiry as to any past due balance on my account. I contacted 5 Third Bank and I was told that I had missed a payment in XX/XX/XXXX which was over two years ago. I have made consistent payments of XXXX dollars for the last 6 years on my account online from my XXXX XXXX account online and have made consistent payments that posted on the same day of the month. Not only have I made additional payments of the loan, I called and spoke representative to inquiry about my balance and they always stated that they send me my payment history rather then going over my account over the phone in regards to the payments made. I requested several times to speak with executive relations department about my balance and account and I constantly get transferred or disconnected. I had an issue in XX/XX/XXXXof an illegal reprocession and I was never contacted that I missed any payment on my account. The bank claimed that there was a ceased and assist on my account and I requested the recording of such requests since I never requested no contact on my account. I was also told when there was a reprocession on the account that there was no updated telephone number on the account. I gave them my contacted telephone number and I have never missed any consecutive payments other than there was one partial payment in XX/XX/XXXX and I have made XXXX monthly payments for six years. I was given incorrect information and the bank refused to go over my account. Not only was my car reprocessed the second time, I was not given any paperwork from the agent when I obtained my car and I was told that I will receive a notice within 10 days. I spoke to a representative on XX/XX/XXXX and I was told that there was XXXX balance due and I made a payment for XXXX dollars to retain my car and I was that it was payments from XXXX-XX/XX/XXXX. I made a XXXX. payment on XX/XX/XXXX and I being charged for late fee, repo fees and additional fees by third party company and I being denied complete records of my account and constantly getting nasty rude and unprofessional customer service representative who given incorrect information and payments.
Product: Checking or savings account

I usually check my account every night ti see how is everything on a Saturday night looking over my account and noticed that someone did a XXXX dollars withdrawal from a ATM in Florida next day in the morning a call Wells Fargo to let them know that I noticed the withdrawal and that it wasnt me since my home residency is in California they canceled my ATM card but unfortunately they didnt do anything about the withdrawal the next day I call the fraud department to filled a complaint about the XXXX dollars incident and told me I had to wait XXXX business day to investigate days later I call them to see the status of my case and the representative told me that my case was close and they couldnt find any XXXX I opened a new case I went to the bank made a second investigation with the same outcome they say Im sorry whoever make the withdrawal has all your information and theres nothing we can do about it
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi how you doin? just writing to follow up with the dispute i sent on XXXX, XXXX XXXX its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.
Product: Debt collection

I contacted the company after numerous contact from the company to asked them why they were sending a dent collection. i also stated that i did not take any course from them after the 1st attempt. They continued to state that i will have to pay the dollar amount owed. The gentleman whom i spoke with around earlier months XX/XX/XXXX to XX/XX/2019 stated that i needed to pay the dollar amount. 
A few months later i contacted the agency after all contacted me, to asked me to pay for the dollar amount owed. ( i never saved their number ) which is why I wanted to know who was calling me i spoke with ARS - XXXX XXXX who stated that I was responsible for a XXXX $ and XXXX . i was willing to set a payment plan. Though I explained that i was not responsible for the debt because i never finished the course and i made the payment twice when i was still taking the course. 
ARS XXXX XXXX stated that i needed to set up a payment plan. In the process of cleaning my credit, i felt obligated to set it up. Then i had family obligations which affected my ability to follow through with payments. I contacted the company and asked for an extension and XXXX XXXX refused. I should not pay for a full amount that i did not use. That is not ok. 
Today on XX/XX/2019. Ability Recovery rep XXXX XXXX contacted me and stated that i was a liar and she is seeing that i am challenging the items. I do not think that she has the right to contact me and use such obscene language towards me. 
Whether i am challenging the account or not, she should not determine my actions towards the false claim that is hurting my credit unnecessarily.
Product: Credit reporting

XXXX has decreased my credit score but does not properly state why, what bill was late or delinquent or what was added that decreased my score by up to XXXX points!