23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a large amount of unjustifiable debt accumulated from a University I went to several years ago. Essentially what has happened is the school let me attend classes there for 3 years while I racked up a lot of student loan debt, and then due to a university error ( which I have on their letterhead admitting fault ), they kicked me out of school against my will due to them not having accepted the last semester 's financial aid payment. 
Since, according to them, I owed an outstanding balance to that school, they refused to send transcripts to any other accredited college in the country, preventing me from getting any sort of degree to pay for that debt. This took over 5 years to resolve, and basically what this means is that they let me collect debt, and then deliberately prevented me from having any way to pay for that debt for the next 5 years. I now live across the country from that school, with no degree from there, and since I was never able to transfer credits to another school, everything I ever did there is completely useless, as I was prevented from any attempt to further education from an accredited college. 

I feel that, under the Borrower 's Defense law, I should not be held responsible for this large debt due to the fact that they deliberately prevented me from having any way to pay for that debt for 5 solid years ( unable to get a degree and therefore unable to acquire a job that allowed me to pay off that debt ). 
I have been trying to find someone to help me get rid of this debt for so many years but no one ever returns my calls. I have spoken to consumer advocates, lawyers, ombudsman group, etc, and no one says a word to me. 
I have made every loan payment in full on time every month and I owe more now than I did when I started out, and now my loan payments have become unmanageable because of this and this year I will start to have serious problems with this unjustifiable debt. I should not be held responsible for almost {$30000.00} worth of debt when I got kicked out of school against my will due to an error that they have admitted to. 
Please help me with this. I have all the documentation to support what I 've said.
Product: Credit reporting or other personal consumer reports

XXXX reported to the three credit bureaus that I was late on payments from XX/XX/XXXX- XXXX of XXXX, when I wasn't. I was always on time and had initially provided this proof back in XXXX. XXXX system was glitching in that they could pull the payment but for whatever reason on their end, it would never post. 

This caused inaccurate information being sent to all three credit bureaus. Luckily, I did reach out to XXXX and received documentation on XX/XX/XXXX that all payments made, since the life of the loan, was indeed made on time ( this is attached ). Though I would send this to all three credit bureaus, while they would update the credit statuses, they would never update the late payments to be shown that it was okay ( in other words, they never removed the late payments from my report ). 

On XX/XX/XXXX, I decided to get this disputed again with all three credit bureaus. While Transunion and XXXX I believe are still investigating, XXXX did a two-day investigation and again, ONLY updated the status and didn't remove the late payments from my account. 

After XXXX failed to remove the late payments again, I called XXXX to ask if they could talk to the bureaus to get this removed as I was never late, and even had the letter from their XXXX of XXXX XXXX to verify that indeed, the payments were never late. 

On XX/XX/XXXX, I received another document from XXXX that states ( and this will be posted as well ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Direct Dispute of Credit Report Information for XXXX Dear XXXX XXXX, XXXX received your correspondence regarding the credit reporting for your XXXX loan. Thank you for allowing us to address your concerns. During our investigation, we determined that we reported inaccurate information to the credit reporting agency. We have corrected our records, contacted the credit reporting agency, and furnished the corrected information to them. Please allow 30 days for the corrected information to reflect on your credit report. 

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

CONTACTED XXXX XXXX XXXX THIS MORNING, REQUESTING THE ORIGINAL PURCHASE AGREEMENT FROM THE ORIGINAL CREDITOR XXXX XXXX XXXX WAS TOLD BY A XXXX THAT THIS INFORMATION IS IMPOSSIBLE TO GET AND THEY ALREADY VERFIED THE DEBT AND THAT NO COLLECTION AGENCY WOULD/COULD FURNISH THE INORMATION THE ORIGINAL PURCHASE AGREEMENT BETWEEN THE XXXX AND THE XXXX XXXX I ADVISED THE XXXX XXXX DEBT BUYING AGENT - THAT VALIDATION OF DEBT ( INFORMATION ABOUT THE DEBT ) AND THE ORIGINAL PURCHASE AGREEMENT ARE XXXX SEPARATE THINGS. THE REP BY THE NAME OF XXXX ALSO STATED THIS NEGATIVE REPORTING WILL STAY ON MY CONSUMER REPORT FOR UPTO XXXX YEARS. THE INFORMATION BEING REPORTED IS INACCURATE AND ERRONEOUS. XXXX XXXX MY CREDIT PROFILE AND THIS INFORMATION IS HARMFUL AND HURTFULTO MY CREDIT REPUTATION.
Product: Credit reporting or other personal consumer reports

I have reach out to XXXX XXXX XXXX XX/XX/2024 by phone at XXXX to asking them to verify this account and they are refusing to validate this collection I was told that I needed to have the full account number in order to get information about the account but I am unable to provide them the whole account number because on my credit report is only showing XXXX out of XXXX digits I also asked who I needed to contact to obtain the full account number and I was told that they didnt know they are illegally reporting on my credit report I have no contacts with this company and they are refusing to provide me with any information about this account. 


I reached out to XXXX XXXX XXXX XX/XX/2024 at XXXX and the person whom I spoke with at refused to give me a name and hung up in my face once I told them that I was calling to verify an account and gave her my account number and a called back at XXXX and spoke with someone else and was told that they could not give me any information about the account unless a gave my full social security number I told them that I wasnt comfortable with doing that because I dont know who the company is and if there was any other way that I can verify this account and was told no and the phone was disconnected once again!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX FUNDING Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX ALL 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

It is with deep regret that I must contact you once again to obtain information that is permissible by law. Navient ( XXXX - XXXX ) was contacted with a request for complete account transaction history from the origination ( XX/XX/XXXX ) of my Parent Plus loan up to the current date ( XX/XX/XXXX ). Also, a request for an amortization schedule for the same loan was made. As usual, it was promised as a deliverable within 7-10 business days ( it came ), yet the history was incomplete and the amortization schedule was not included. The XXXX XXXX, XXXX and Navient information was missing, containing only data between XXXX and XXXX from Navient. The original loan balance was {$13000.00} ( XXXX XXXX ) and as of date with years of payments, the current balance is {$15000.00}. How can that happen? The servicer ( Navient ) is not supplying information that is promised. My problems are as follows : 1 ) application of payments ; 2 ) the amount applied to interest is higher than they were at the beginning of the loan - principal application is not going up ) ; 3 ) the incorrect manner in which capitalization of arrears is handled ; 4 ) Customer service does not provide information requested ( sent two sheets that were identical - happens all the time ). I am certain this is not an isolated situation.
Product: Student loan

Was coerced into taking a large private loan over and above tuition costs for " living expenses '' I paid my loan on time for over a decade following graduation and none of my principal debts went down. All of it was applied to interest - all of which is detailed in the current class action lawsuits pending against Navient. 

I called them and asked for a more favorable interest rate or a different plan to help me to manage my bills and was told there were no options.
Product: Credit reporting or other personal consumer reports

I have sent Transunion imformation from the furnisher, XXXX 3 times that Bankruptcy case XXXX was not verified and they keep saying it was verified. Ive waited since XXXX of XXXX  leaving me broke and not able to buy a car or home because of their negligence. I had to borrow and try to pay for simple life necessities for almost a year now and not to mention I only work a part time job that doesnt pay much. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My stress level because of this has ran its course!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with EXPERIAN. My credit records exceed 20 years and I have never had an issue with a mortgage, a loan or a delinquency, and I keep a very small credit card balance. I never paid late my credit card bills, since all my credit cards are on autopay and get paid in full before the due date. As my credit score at XXXX and other credit agencies are well above 800, my credit score at EXPERIAN has remained fixed at XXXX for years. I checked the records submitted by EXPERIAN and they all show that I always pay on time. I contacted Experian for an explanation, and I was told that they are using a different method of calculating the score than the others. However, when I tried to use EXPERIAN 's score simulator and configured it to simulate that I pay all my credit card bills on time, it updates automatically my credit score to XXXX. Since all the other credit score companies are showing similar numbers, there must be a glitch with EXPERIAN 's system that results in lowering my credit score. Since Experian does not want to do anything about it, I am kindly asking for your help to resolve this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reporting/sharing private nonpublic consumer information with thrid parties, violated cease and desist that has been in effect since XX/XX/2022 XXXX XXXX, XXXX refuses to follow consumer request to opt out of all information sharing.
Product: Credit reporting or other personal consumer reports

I am aXX/XX/XXXXXX/XX/XXXX Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.
Product: Checking or savings account

I want to use my funds in my account to pay bills its been two weeks my account restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accordance with Fair Credit Reporting act these accounts has violated my rights. 

XXXX XXXX XXXX Louisiana XXXX # XXXX XXXX XXXX XXXX Louisiana Docket # XXXX XXXX XXXX XXXX Louisiana Docket # XXXX Section 602 A. States I have the rights to privacy. 
15 U.S.C. 1681 Section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX 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 : {$280.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XX/XX/2024
Product: Credit card

Regarding American Express Corporate Card for XXXX XXXX, card # XXXX. 
Amex bills to me did n't indicate what specific merchant charges were unpaid for the balance pending. I needed to know that to determine what I had to pay vs XXXX had to pay. Amex did n't provide the following information since XXXX 2015:1 ) have I paid all the merchant charges2 ) what specific charges are unpaid that account for the remaining balanceI finally reached out to Amex contacts of XXXX, bypassing Amex customer service, and got a spreadsheet that showed the specific XXXX merchant charges that were unpaid by XXXX, a XXXX, XXXX XXXX, and XXXX XXXX charge. Clearly Amex had this information, and I would think any company that provides corporate card services needs to provide that information to the end consumer. I confirmed those were all charges I marked personal to XXXX and I paid those in XXXX. 
Afterwards there were only late fees pending, all merchant charges were paid. I was told there would n't be late fee on late fees and ask for somebody from Amex to contact me because I wanted to dispute the late fees. I would have paid all the fees if customer service had provided me the information I required. However on XXXX/XXXX/15, after waiting since XXXX without anybody from Amex contacting me, I was charged another late charge on the pending late charges, identified as a delinquency charge. Amex is simply forcing me to pay their non-merchant related fabricated fees without providing any means to dispute them.
Product: Credit card or prepaid card

On XX/XX/2021 my wife and I stopped by a kitchen remodel store called XXXX XXXX. We had a meeting with their sales rep and they said they could build us a new kitchen. After the meeting we signed a contract. Three days later we cancelled and told the sales rep. He said he would notify the owner but days later we received three credit cards from Synchrony bank totaling close to {$34000.00}. We have tried contacting Synchrony home since XXXX XXXX XXXX and they still do not resolve. We told them that we have not received any good or services from the owner of XXXX XXXX XXXX XXXXXXXX . Synchrony home always takes the merchant 's side. I have told Synchrony all they need to do is send investigator over to our house to show us what XXXX XXXX has provided for us. Nothing was provided and they want to charge us. They need to send bill and charges to XXXX XXXX because he must have taken the money from Synchrony and ran, never providing us with any goods or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX received complaint XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information regarding this account shall be deleted from all consumer reporting agencies including EQUIFAX, XXXX AND XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # 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. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( no account number is presented on credit report ), has violated my rights by reporting its fraudulent, identity theft, debt buying account to Equifax credit bureau in an effort to knowingly collect a debt it is not owed. XXXX is reporting an open account to Equifax damaging my credit and my reputation as a consumer. I have no open accounts with XXXX nor have I ever done business with XXXX, which is why its does not report an account number. I have disputed this fraudulent identity theft account before in an effort too permanently remove it from my credit bureau report. When I dispute, it is removed and then put back on my credit report again. I have requested a copy of the original credit application with my signature showing I opened any such account, as of yet, I have not been provided a credit application with my signature and/or a response to my request for said original credit application. XXXX XXXX XXXX, has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX XXXX XXXX, has violated my rights by continuously reporting an inaccurate collection account to credit bureaus. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a mortgage with Chase Bank. 

On XX/XX/2022, we received our monthly statement. It indicated that we had failed to make a payment due XX/XX/2022. 

I immediately called chase bank to determine the status of our payment as we had made payment on XX/XX/2022 for {$1500.00}. The payment was processed through our online banking bill pay through XXXX bank. Previous payments have been made a received through this same bill pay. 

I was told that I shouldnt be alarmed and that the payment may surface. I informed them that my payment due In XXXX was already in process. I agreed to follow back up with them in a weeks time. They indicated that my credit was not at risk during the call. 

I received an automated text from chase bank on XXXX indicating that my mortgage needed attention. I was already aware of the issue with the XXXX Payment. I went to login through the text link. Because of my lack of technical aptitude, I managed to get security locked out of my account. Frustrated I decided to call them when I had time to speak. 

I followed up on XX/XX/XXXX by phone to determine if I should take any action. I was informed that they had not yet received my payment. I offered to make a payment by phone to cure the issue so there would be no adverse credit reporting issues. Im in the real estate business so good credit is very important to me and integral to my ability to finance. Payment was taken over the phone. Late fees were waived. The operator indicated that she thought my account was still too new at chase and likely not even reporting yet.

Today I woke to a notification that my credit score has dropped by XXXX points. From XXXX to XXXX. This is due to an erroneous derogatory complaint made by chase concerning this account. 

Chase inaccurately represented their intentions to send derogatory information on my credit report. Further, despite the fact that I spoke with them twice, they did not provide me with an opportunity to correct the problem in a way that would have prevented the derogatory event from happening. 

I spoke with Chase this morning. I Spoke to three people for about 90 minutes. I was told they would have to review the recorded conversations, and they needed evidence from me. I emailed them my payment confirmation from XXXX for the disputed payment and demanded they act quickly to repair the damage they have done to my credit. They appeared unconcerned and could not assist in expediting a solution. 

This is inappropriate reporting. Derogatory information should only be reported when there is clear default. These credit reporting practices are abusive and they should work much faster when they erroneously damage a customer.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late or cured XX/XX/XXXX, I'm not sure because some bureaus say cured others don '' t. and the same for XXXX and XXXX of XXXX!! 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Checking or savings account

Been a customer for over XXXX  years and had situations more than once in the past during the time of XXXX where funds were not available and not sure if I was included in undisclosed security services like debt protection, gap or homeowner insurance.