23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/year> I emailed faxed and uploated a letter to Firstmark Services requesting information on how to apply for cancellation of my private student loans. 

Contents of letter : " Dear Firstmark Services, I am requesting information on how to apply for cancellation of my private student loans on the basis of fraud and misrepresentation by my school, XXXX XXXX. I have already had my federal student loans from XXXX XXXX XXXX from approval through the XXXX XXXX to XXXX. I am entitled to a process for private student loan relief because of my schools misconduct. My School misrepresented its job placement rates, my school misrepresented the demand for graduates in my field, my school misrepresented its partnership with employers, my school mislead me into believing I would be hired before graduating, and my school mislead me with false marketing and false information to choose their school over others. In addition to the misconduct of my school, my private student loans were initiated and initially serviced through XXXX XXXX, now XXXX. XXXX XXXX with their predatory lending steered me towards multiple years of forbearances and interest only payments instead of income-driven repayment plans, and XXXX XXXX would not allow me to release my cosigners. Please provide me with the information for the process for private student loan relief due to my schools misconduct and the predatory lending and misconduct from my initial loan servicer. 
Thank you, " Firstmark Services replied on XX/XX/year> just saying, " Unfortunately, as this is not a federal loan, it is not eligible for loan forgiveness. '' My initial private student loan servicer was XXXX, XXXX now has an application for my situation to have my loans XXXX. I had issues with XXXX so I refinanced to XXXX XXXX. XXXX XXXX then sold my loans to Firstmark Services. I can not apply through XXXX since they no longer service my loan. 

I'm going through these steps based on information I found through The XXXX on XXXX XXXX XXXX. Not until now did I feel I could take any action towards my private student loans so I never contacted XXXX about my school 's misconduct and I never knew I could report my loan servicer otherwise I would have reported XXXX XXXX while they were still my loan servicer. 

It is unfair for students who had to take out private student loans to not be protected in situations like this. There is proof for this misconduct of my school, XXXX XXXX and for my initial loan servicer, XXXX XXXX XXXX 

I contacted XXXX XXXX on XX/XX/year> by phone to get more detailed loan information about my loan details but I was told I need to get my information from Firstmark Services since they service my loan now but I want to see my loan contract and payment details from them. XXXX XXXX no longer has access online for past student loans. XXXX XXXX started a recovery case for me to see if they can find any of my account history. They said they will email it to me but currently they said they don't have that information available.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX - XXXX XXXX XXXXXXXX Balanced {$15.00} XXXX XXXX XXXX XXXX  XXXX Balanced {$9700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} - XXXX XXXX XXXX Balanced {$0.00}
Product: Vehicle loan or lease

Since the start of my lease in 2019 when I was financing my lease, the finance manager set my lease payment day to be the 1st of month. I told him that date will not work for me since it does not coincide with my pay dates. He said dont worry when Nissan XXXX sends you the bill call them and request a due date change. For three years now I have been requesting a due date change and Nissan XXXX has denied me every single time, stating my account balance has to be up to date before they can grant me one. The problem is, I cantevery month I an late due to my payment date being after my due date. For three years Nissan has charged me a late fee every month, when they could have easily given me a due date change. I think that is UNFAIR business practice!!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The dealership told me I had to get gap coverage to finance my car after I signed a paper stating it was not required or it was voluntary for the loan and when I called the lender they said it wasn't required and I told the finance manager I didn't want to buy a car with gap coverage but would like to purchase extended warranty which they refused to do based on the mileage of my car. Is any of this legal? They also never signed the buyer 's guide nor did my cosigner.
Product: Debt collection

I was completely unaware this account was even opened. The collection is LVNV Funding, originally from XXXX XXXX XXXX This debt is not mine, this account was a result of identity theft. I had not noticed this account until I began trying to repair my credit. This is one of many fraudulent accounts opened using my information. I have notified the bureaus and filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I got an alert on my credit report that there has been a hard inquiry placed from capital one. I called right away to remove it and they said they placed a fraud alert on my account and it should alert XXXX and XXXX so they can remove it. I checked back around XX/XX/XXXX and XX/XX/XXXX to see the status and they said the same thing, weve placed and fraud alert, it should take 30-90 days. Well, it has been over 90 days and they said wait. My credit report STILL has capital one on both XXXX and XXXX. Both credit bureaus said In order to remove it, I need to obtain a hard copy ( letter ) from capital one stating that it was not me, and then clothed can remove it once I send that letter off. Capital one said they cant send the letter. Now Im stuck with an inquiry I NEVER did and my credit score dropped all because of identity theft!! This also goes for XXXX XXXX. Someone opened an account on XX/XX/XXXX and I did the same procedure back and forth with the credit bureaus and credit card companies. Both XXXX XXXX and capital one said they placed a fraud alert but cant help me with any evidence that I need to show XXXX and XXXX that its not me. I did numerous disputes with XXXX  and XXXX but they denied it unless I obtain a letter from the credit card companies stating otherwise. I NEED HELP TO REMOVE THESE INQUIRIES ASAP!!!! Its been since XX/XX/XXXX and its XX/XX/XXXX. No change at all!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Product: Credit card or prepaid card

I opened a secured credit card with US Bank. I'm currently fighting an aggressive XXXX XXXX and have been unable to work due to the side effects of the XXXX so I can no longer pay on credit card. I have not missed any payment nor have I ever been late on any payments. I called US Bank to close the account and they told me that it would take ninety days before they can close the account. Which meant they needed 3 additional payments on the account. I really don't understand this. If they were closing the account and it was secured I wouldn't have to make a payment at all. I am in a situation where I'm need the money to make my co-payments for XXXX. I need to know why I have to make ( 3 ) additional payments on an account that I requested to be closed? It's a secured account that closed so no transactions will be approved. I think it's just the bank 's way of ripping people off for an additional ( 3 ) payments.
Product: Credit card

On XX/XX/2024, I owed {$4800.00} on account # XXXX XXXX XXXX XXXX. This account was a Wells Fargo XXXX XXXX XXXX account. XXXX I reinterate that the total amount owed on the account was the amount mentioned above. Regular monthly payments of approximately {$130.00} were due by the XXXX of each month and had been made ON TIME for the previous month with no carryover late fees or penalties. On XX/XX/2024, {$4800.00} was paid on the account, which SHOULD HAVE left a balance of {$9.00}. Again, the {$4800.00} was paid in lieu of the regular {$130.00} monthly payment. So this payment was made in a timely manner according to the rules and governance of the account agreement on the back of each monthly statement. The billing cycle for each month was from the XXXX until the XXXX of the next month. In other words, the statement that I received the NEXT month had an interest charge of {$40.00}. I contacted Wells Fargo about this when I received the new statement in XX/XX/2024. I thought that the late fee should not have been charged. I also stated at the time that I was ONLY going to pay the balance at the time which was approximately {$10.00}. They INSISTED that I pay the {$40.00} in addition to the {$10.00} that I felt that I ACTUALLY OWED. I again REFUSED. XXXX weeks later, after being told I have NO recourse to complain to someone at Wells Fargo ( file a formal complaint ), They sent me a bill in the amount of {$80.00} which included a LATE FEE of {$30.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  notified me, that my XXXX XXXX XXXX had a FUEL PUMP SAFETY HAZARD. I contacted XXXX XXXX  and cooperate officers only to receive aggressive resistance with XXXX accountability. The executive clerks were not phased how I was terrified for my life, because the vehicle jerked and stalled in traffic constantly. XXXX, sold me a defected new vehicle, and outright insisted I trade the vehicle and overlook them selling me a new vehicle with a fuel pump that endangered my life. I filed a complaint with my Maryland Attorney General office case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, due to XXXX  unscrupulous manufacturing practices, and relentless aggression in endangering my life. For example, for months to provide a safe fuel pump. The retaliation was abusive when attempting to make my usual on time monthly payments to XXXX XXXX. The online service was problematic, so when I attempted to make payments the representatives would display all sorts of shenanigans. For instance, be combative, hung up the phone, transfer me into a queue for extended periods. The supervisors call back was manipulated constantly. For example, I was told I would receive a supervisor call back in 48-72 hours and I would not receive the supervisors call back, and when I called back the representative would inform me I had to wait another 48-72 hours. So, this is the gross aggression Im receiving attempting to make my monthly on time payment with a supervisor. As a result of the retaliation, harassment, and excessive shenanigans from XXXX XXXX XXXX representatives and supervisors I have two unjust late payments on my XXXX, Experian, and XXXX credit reports. 

Please note, prior to the XXXX  XXXX XXXX XXXX I had a EXCELLENT rating with XXXX XXXX, and after the sold me a vehicle that endangered my life and lives of other citizens, they have manipulated XXXX XXXX DAY late payments to all three credit bureau.
Product: Credit reporting or other personal consumer reports

XXXX has yet to remove the account I requested to Opt-out on XX/XX/2023.
Product: Credit card or prepaid card

I live in Wisconsin and receive child support on the Way2Go debit card, but I can not seem to use the card even though there is money on it. All online payments are declined. All payments via phone ( such as ordering food ) are declined, and most times is declined in store as well. After every decline, I check the account and see the money is definitely there. It is not a balance issue. It seems there is some sort of block on the card. 
I have called the number on the back of the card ( XXXX ) so many time and walked through every prompt available, but there are no options for the issue I am having as well as no possible chance of speaking to a real person. If you try entering in fake data to try to get a person, the call just ends. The website for Way2Go has no other options of contacting them either. This issue has been persisting for years. I contacted Child Support in XXXX XXXX WI today, and they let me know they have heard this issue several times, but there is nothing they can do. They mentioned taking this route to try to get a solution. There is even a XXXX thread complaining about this same issue, so I know I am not alone! I have called other state 's Way2Go program number, and there are prompts to speak to real humans, but they are unable to help me with this issue since I am in Wisconsin. Wisconsin 's Way2Go system is broken, and someone has to know an answer to helping us get the help we need.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I recently notice that I have several Fraudulent accounts reporting on my credit report. I was denied credit due to these inaccuracies. Please see attached documentation. These accounts do not belong to me. And this is not a third party submitting this filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 




1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US DEPT OF ED/GS 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus through certified mail over 90 days ago requesting them to investigate and remove this hard inquiry from XXXX XXXX. This inquiry hit my credit report on XX/XX/18, I sent my certified letters on XX/XX/18, and never received a response at all. This hard inquiry has put a hardship on my life, caused a great deal of stress and has caused my credit score to decrease drastically!! I have XXXX children that I have been denied credit for a house due to this inquiry. The credit bureaus has violated the FCRA law they have a responsibility to report accurate information and to respond to consumers in a timely manner.
Product: Money transfer, virtual currency, or money service

I was trying to transfer my xlm coin from my coinbase wallet to The coinbase exchange and in the process they disappeared during the transfer I've reached out to coinbase on several occasions to try to fix this issue and now I'm being ghosted and can't get a hold of anybody it really feels like I've been played here.
Product: Credit card or prepaid card

I have lived in XXXX  for four years after being a Santander customer for over 10 years, starting when I took out a home equity loan in XXXX and opened a checking, savings and XXXX credit account. I currently have a Santander XXXX XXXX and they are now advertising a new Santander XXXX XXXX XXXX credit card that pays 1.5 % cash back with no foreign transaction fees, which is a higher cash back rate than my XXXX XXXX which currently has foreign transaction fees. They will not allow me to apply for this card as an XXXX  resident, they only offer this card to residents in 12 states. Santander is a National Association and should not be discriminating based on state of residence, especially for existing customers. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I authorized a hard inquiry from  XXXX    XXXX   XXXX   on  XX/XX/XXXX  for a car. I have notice that since then the same finance company continued to pull my credit report. This company has obtained my credit report  XXXX  more additional times without my permission, adding  XXXX  more hard inquiry 's.  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  were all unauthorized. Also, in addition to affecting my  credit score , this company obtained my information and addresses that were unknown to them with out my permission.
Product: Credit reporting or other personal consumer reports

A card company duplicated inquiries to pull from my credit multiple times. Resetting the clock on the debt to remain on my credit report longer. I did not authorize this and by law technically my information was used fraudulently. 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 Every since then I haven't been able to receive credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 : I need to remove associated names from my credit report that I've not ever used to apply for anything. 

My legal and actual name is XXXX XXXX XXXX which is the actual and precise spelling. 

I need for the associated name identification numbers 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 and XXXX XXXX XXXX removed from my credit report immediately to avoid any confusion or identity theft situations to remain based off of my recent credit report received and a ongoing issue of my mail missing or confusion of who I am when attempting to get basic local issues resolved versus whoever all else is or maybe attempting to act as me based off of associated name errors on my recent credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX Miscellaneous XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.