23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

~ I have conducted myself with integrity and met my student loan obligations since completing my program in 2008. I am seeking that my case be considered by the department of education under exceptional circumstances. The Loan discharge form limits of 120 days provide only the most narrow of windows to correct this situation and exclude a great number of former students including myself from corrective actions. 

List of exceptional circumstances : 1. Misrepresentation of accreditation. 
2. The schools discontinuation of academic programs. 
3. Current litigation 's by the state that are affecting operational viability of the school. 
4. Finding by federal agency & recent litigation resulted in prohibition of federal funds for school. 

I feel that the school manipulated the circumstances of my enrollment and conducted themselves in a manner that is not consistent with the integrity expected of institutions that provide higher education. As I have acted in an upstanding manner and met my obligations to date, I would like to consider having the remaining federal loans that I am obligated to repay discharged or forgiven. I think that if the government is taking actions against this school for deceptive practices it should also be open to mitigating the financial burdens of those that were subject to those practices and have met every obligation thus far. 

I have several complaints specifically regarding my enrollment at XXXX XXXX XXXX. 

~ I was told while discussing enrollment with the recruiter that XXXX XXXX was an accredited institution and that I would be able to pursue my masters at XXXX after graduation. - This proved to be false. XXXX XXXX for XXXX XXXX and XXXX determined that XXXX " is not in compliance and is unlikely to become in compliance with [ XXXX ] accreditation criteria. 

~ I was later told that the accreditation process was ongoing and that XXXX XXXX would be fully licensed by the state and accredited in the near future.- This also proved to be false. 

~ The credits I earned and took out Federal and Private loans for are unable to be transferred to federally compliant institutions like XXXX or XXXX. 

~ Until student loans are fully repaid, I am not able to pursue federal funds for education at a compliant institution like XXXX or XXXX. 

~ The location where I attended has been closed and is no longer in operation. 
XXXX XXXX XXXX XXXX XXXX, FL. XXXX ~ XXXX XXXX XXXX is currently involved in several litigation 's, some of which are banning new students from enrolling and ultimately will result in the school being closed. Once the school closes I will be obligated with student loans for a degree from a fraudulent institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX is reporting that I have two outstanding loan balances through Department of Education-Nelnet as of  XX/XX/XXXX. The accounts were closed as of XX/XX/XXXX. I have submitted two disputes ( once in XX/XX/XXXX and again in XX/XX/XXXX ) with information documenting both showing {$0.00} balance and both disputes have been denied. 

I submitted my Loan Summary/Mortgage Verification letter ( the only letter Nelnet was able to give me ) and my StudentDataDocument from the XXXX XXXX XXXX XXXX XXXX - both showing I have a XXXX balance for all my student loan accounts. 

XXXX  has denied both my disputes saying the information being reported is correct. They have documentation showing Nelnet " reported '' balances on my account on XX/XX/XXXX. Upon contacting the creditor, Nelnet, they are showing they have not reported anything to XXXX  since XX/XX/XXXX. 

When I call XXXX they say that Nelnet is still reporting ( on XX/XX/XXXX ) that they balances are correct. I have submitted all the documentation that I have showing the accounts are paid off. I don't know if XXXX is wrong or Nelnet is wrong but the information being reported on my XXXX  credit report is incorrect. The balances have been paid off ( on XX/XX/XXXX ) and should be removed from my credit report. 

I called XXXX and Nelnet multiple times to get this resolved and they were unable to handle my request. I think it is ridiculous that CRA 's and creditors are able to report incorrect information about me and yet are unable to give me a straight answer via a simple phone call. These are billion dollar organizations and I am having to solve these issues from my kitchen table. These organizations should be held to a higher standard when it comes to servicing the people they are profiting from.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an investigation request to Equifax. They were supposed to investigate errors on my report, and send the corrections to me within 30 days. They have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, the XXXX XXXX XXXX ( XXXX ) repossessed my vehicle, XXXX XXXX XXXX VIN # XXXX from my residence. XXXX 's manner of repossessing the vehicle is illegal in the State of XXXX. XXXX did not notify me by certified or registered mail of a right to cure and repossession which did not give me the rights to challenge the repossession.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Disputed account # [ Capital One # XXXX ] XX/XX/XXXX XXXX and XXXX XXXX claiming they investigated what I have disputed about late payments : however, they just sent a copy of my consumer report thinking I am stupid enough to accept that as confirmation a of an investigation. I request deletion of the late payments from XXXX and XXXX. Attached is the last letter I sent them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused financial loss and significant inconvenience, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I disputed this account for violating FCRA regulations TILA the credit drivetime/Bridgecrest is violating consumer laws by reporting and aid and abetting in furnishing this inaccurate report on my credit profile. 

I had no luck reaching out to the inforamtion on my credit profile for the number listed is not working. These violations are serious and harming my credit report by violating USC 1681 ( S ) ( 2 ) & ( 3 ) & Fair Debt Billing Act.

I would like the formal and orginal instrument of indebtness and all loses on books to see where is the numbers from this account is coming from. I have been getting no reply from the creditor and Experian reps are no not giving me any names numbers or anything. this company is rude and hols your personal information XXXX when trying to correct them. 

If a creditor sales something or transfer the debt the balance and other factors should go into play and be corrected. THIS IS FRAUD ALL AROUND.
Product: Credit reporting or other personal consumer reports

Hard Inquiries that I do not recognize XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX I do have a card with them but did not request any increases. 
XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXXXXXX Via Dealer XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I tried disputing XXXX  times. Called today and was told that they needed my credit card number to give me any info pertaining to this account XXXX XXXX XXXX XX/XX/XXXX XXXX sent a dispute in XXXX of XXXX haven't heard back. 

There was a breech of information of a company that I am affliated with that was held at ransom causing all patient information to be compromised through XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

Thanks
Product: Debt collection

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loans have me late when I applied for deferment. Also I have asked over and over to validate loan it is too, too high, I don't owe that kind of money, I only have 2 master degrees. I applied for an unemployment deferment and it shows 90 days late.
Product: Student loan

Nelnet and XXXX XXXX XXXX are continuously adding and subtracting the amount owed on my accounts which make my my credit score go up and down. I am currently trying to purchase a home and this is hindering me. Also please remove any of the accounts pertaining to these companies, from my credit report that have reached the limit due to the statute of limitations for my state. Thank you.
Product: Credit card

I applied for a Capital 1 card in XXXX of 2014. Received XXXX invoicewhich I paid on time every time. Did n't receive an invoice, calledthem & found out my account had been hacked. They gave my cardand info to someone else. {$1300.00} worth of charges. They didcredit me, yet the Fraud Dept was horrible ... ... .this dept needs fixed. 
Man was rude and never called back. I called over XXXX times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans Union about debt collection from XXXX XXXX XXXX that was put on my credit report on XX/XX/2021. I explain to them that debt is invalid because they bought it from another debt company that tried to sue me for the so called debt. I have gave them the case # on the case to show them that the debt was not valid. Almost 30 days go by and Trans Union came back an said debt was valid when the case was dismissed in a municipal court with L.C Rule 12.02 Dismissed without prejudice. So the information they received from Debtor is wrong saying valid is incorrect. Proof will be sent with this complaint.
Product: Mortgage

I requested a mortgage modification from my mortgage servicer, Wells Fargo Bank is refusing to modify my mortgage. My Father recently passed and he was XXXX for the past year and I had to assist with his care and medications until his death. My loan currently does not include my taxes and insurance in escrow and I also have a second mortgage on my property as well. I do not want to lose my home. I would appreciate your assistance in this matter. I have also submitted financials with the mortgage modification request. Please see attachment.
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED TO OPEN FRAUDULENT CREDIT CARDS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS.  On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the  law.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the fair credit reporting act XXXX XXXX XXXX ) XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED THE THE XXXX  AND XXXX XXXX AND THEY HAVE FAILED TO RESPOND! I ALSO SENT THE NOTICES TO THE CONSUMER REPORTING AGENCIES XX/XX/XXXX to which they received on XX/XX/XXXX TO WHICH THEY HAVE FAILED TO TAKE ACTION IN A FAIR AND EQUITABLE WAY! I followed up with a demand to comply on XX/XX/XXXX that was received on XX/XX/XXXX! THEY ARE FAILING TO RESPOND AND CAUSING SO MUCH HARM TO MY REPUTATION! THESE NEGATIVE MARKS AND DEROGATORY ACCOUNTS NEED TO BE REMOVED IMMEDIATELY! IF SOMETHING IS NOT DONE WITHIN THE NEXT 10 DAYS I WILL BE FILING LAWSUIT AGAINST THE CRAS ALONG WITH THE CREDITORS AND DEBT XXXX FOR DEFAMING MY CHARACTER!
Product: Student loan

I have been disputing the accounts with AES -- AES/XXXX ( original : {$14000.00}, balance : {$22000.00} ) and AES/XXXX XXXX ( original : {$14000.00} ; which apparently transferred to AES/XXXX   -- was never informed of this either, if so, then PROOF PLEASE ). I've been disputing for the past few months because I have been monitoring my reports and having accounts validated. After some time, AES sent me a promissory note that was not even originally sent to them ; it was not for them at all. I asked for validation that included original documentation bearing my signature and that shows a clear contractual agreement with the company/companies reporting on my credit files. The promissory note sent to me absolutely does not -- because again, as you will see from my attachments, the note was not even addressed to them for payback at all. I am filing separate complaints against the bureaus for constantly coming back with results claiming truly unverified, invalidated accounts are " verified '', " verified as accurate '', and " validated '', basically taking these companies ' word for it -- NOT that there is actual proof, which is required under the FCRA and FDCPA. They are essentially violating law, which is one of the reasons for my complaints. In addition to the promissory, I have included one redacted letter sent to XXXX  as an example to them of what I've been requesting from each of the major bureaus ; it is the final letter I sent to XXXX and displays the seriousness of this matter.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX XXXX XXXX loan for XXXX  XXXX  and my credit was ran through TransUnion to see if I qualify. I was denied due to collections that were incorrectly put on my report that belonged to someone else. The credit report had the incorrect full name, date of birth, addresses, phone numbers, credit cards, loans, and collections. None of those information belonged to me and it belonged to someone else who I do not know or have any relations to. I have been in contact with TransUnion to fix the issue but they have been unresponsive and have not removed the collections from someone else in their name off of my account. The case number is XXXX. This is a case of identity fraud since another person 's information is combined with my information so I am looking at their entire financial history and they could also see mine.
Product: Debt collection

This is regarding my Amazon acct from the title of the company. I have an Amazon acct in good standing that can be verified. I even have a credit amount with them currently that I pay on monthly and have never missed a payment. 
I am a XXXX member, and have bought dozens of items over the last few years, always paying for my items up front before delivery. 
I had, or have a credit account that I had an XXXX credit card for, and bought some solar panels and batteries a couple few years ago which I am still paying off and always on time. 
The credit underwriter has refused to give me access to what s/b my credit line with them, even though I haave continued to pay down my original credit line of I think it was {$1600.00}, and which now stands at {$1000.00} or close to that. 
So this " other '' Amazon acct shows it was written off some time ago which I do n't understand because I 've only had XXXX acct with Amazon for years now. 
The only thing I can think of is that when I filed for bankruptcy in XXXX that it might have been part of that, but I do n't remember. If it is/was from then it should have been taken off my record since it was over 10 years ago now and already charged off. 
Amazon is free to view my current account standings, and it should reflect that I even bought XXXX items yesterday on XXXX/XXXX/XXXX, and that paid in full.. 
Amazon can also check my credit line (? ) status and see that I 've been a loyal and faithful customer and payee to my credit acct that I have set up for automatic payments each month. 
And have never missed a payment I believe. 

I would like Amazon to audit their records on this account problem because even though I have an account of what I am certain s/b in good standing, this continued bad debt keeps showing up that I believe I do n't owe, and it shows being charged off, and yet for some reason they are showing a missed payment on this " other acct '' that I 'm suppose to be being charged for and yet have never ever received and bill or notice about, even though I pay them religiously on my real credit acct and have bought dozens of items through my Amazon acct and not once was informed about this or where it comes from. 

So I am pleading with Amazon and their accountants to remove this {$250.00} item and charge it off or something and close this matter once and for all. I believe it 's a hindrance to me being evaluated by other company 's for possible credit consideration. And I 'll say that I hope that someone who audits this wiill understand that thiss was something that somehow found it 's way outside of the regular accountant channels and should therefore close it and take my name off it and not punish me for bringing it up to them. 
Whoever is assigned this I appreciate your time and due diligence in helping to resolve this matter and get it finally close this matter again ... .once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are both alleging that the XXXX XXXX account reflected on my credit report is accurate and verified. The inaccuracies listed below : *The account type listed for XXXX is factoring data and collection on Transunion XXXX reflects a past due amount of {$480.00} and Transunion reflects XXXX *XXXX reflects payment history as ok from XXXX ; Transunion reflects no payment history *The account number differs among the 2 bureaus *They are allowing XXXX to list 2 different names among the bureaus for the same account These inaccuracies alone are grounds for removal. Additionally, in my communication with XXXX, if they indeed own the debt, they did not provide any credit card agreement forms, a mere statement does not validate the amount alleged to be owed. XXXX did not provide a comprehensive accounting ledger of the account.
Product: Mortgage

I got a loan modification with a new balance of {$180000.00} XXXX. I have a mortgage statement showing balance is {$160000.00} for one loan and {$0.00} balance for the other loan XXXX. Both loans have same initiation and maturity dates. Only one loan shows {$160000.00} balance due on credit reports yet servicer Real Time Resolution still sends collection letters for the {$0.00} balance loan not on any credit reporting agency.
Product: Credit card

I signed up for a Delta Gold AMEX card with an offer to earn XXXX miles in XXXX of this year after spending {$2000.00} in 6 month period. I did spend way more than that but never received my promotional bonus points. Chat support or phone customer service failed to tell me why I didn't get the points or give me my points.