23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received private student loans to attend the XXXX XXXX XXXX XXXX from Fall XXXX - Fall XXXX. I graduated with my XXXX in XXXX. ( Amount included in current statement, attached ). During that time I took out both private and federal loans. The school has since closed, having filed for XXXX XXXX Bankruptcy in XXXX after having been open since XXXX. The loan provider for my federal loans is currently XXXX and the Private loan holder is XXXX, which is operated by Navient. 

The reason I believe this is a show of misconduct by the school and should be eligible to be waived under Navient 's guidelines- it is currently not - is before I arrived in XXXX, the school had begun having major, earth shattering financial problems in the XXXX of dollars. They continued to mismanage their funds and assets all the way until XXXX when the school closed its doors. None of the financial mismanagement was reported to me, or the other prospective students, nor was it shared by the institution once I began attending. As a result, I am stuck with over $ XXXX in student loans for a school that can no longer support me as an alumni in any way. 

People do not pay XXXX figures for an education at other longstanding schools like XXXX or XXXX simply for the notable teachers or unique, thought-provoking classes- of which we had both at XXXX. No, students who attend XXXX XXXX colleges are paying for a brand name that can open doors, a legacy that withstands many decades and generations, and the continued support of an institution within the trade communities and beyond. These are things the XXXX XXXX XXXX XXXX can longer offer. 

If this were in fact a school where more than just artists who attended, it is my belief that a class action for the waiver of all loans would already be in the works. Unfortunately, artists are notoriously bad at paperwork, and as we are not a XXXX or a XXXX, the personal connections to local and federal government are few and surely underutilized. 

On a personal note, I am currently experiencing hardship as a result of job loss and am risking destroying my credit report because I am not able to afford the monthly private loan payments since there are few payment plans available. A lot of artists, who often work as freelancers with little social safety net in place, struggle with this same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, I filed a dispute reference XXXX XXXX XXXX WA, through the dispute process. 
The role of the national consumer credit reporting agency in the dispute process is to review the accuracy and completeness of any disputed items which may include contacting the furnisher of the information and its source. 

It appears that Experian is rubber stamping what the collection agency has placed in their files without any verification. 

XXXX the original alleged creditor removed reference to this account during XX/XX/XXXX. 

In XX/XX/XXXX XXXX XXXX placed a reference to the above in my credit file. ( NOTE : The original date they claim is XX/XX/XXXX ). 

In alternating places in the Experian display they claim the amount due is {$1600.00} and or {$260.00}. The display does not show an amount due prior to XX/XX/XXXX 

That alone should have raised a red flag along with the differing amounts claimed due. 

Experian claims in their dispute resolution section, in their review the disputed has been verified as accurate but they do not say how it was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX ACCOUNT # XXXX Has violated my rights. 

XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One ending XXXX with balance of over XXXX idispute this amount owed Capital One refuses to give access to online account XXXX 2021, I am informed card is still open, I requested a new card and sent a payment and requested statements. I have repeatedly requested and called and sent letters and nothing of what I requested has been done. Also to remove late fees I was hospitalized, and to remove late payments reported to credit. To substantial the charges, I am requesting a verification letter. Please also the amounts that I have paid are not accurately reported, there is no settlement offer, Capital One closed my card. Please assist
Product: Student loan

To Whom It may Concern, This spring I submitted my paperwork for the Public Service Forgiveness Program. I have been employed full-time by XXXX XXXX since XXXX. 

First I worked for the XXXX XXXX XXXX from XXXX until XXXX XXXX. Then I started working for the XXXX XXXX XXXX XXXX in XXXX XXXX ( no gap between employment between XXXX and XXXX XXXXXXXX ) where I am still employed today. 

The loan paid for my degree in XXXX XXXX from XXXX XXXX XXXX ( XXXX ). I graduated in XXXX of XXXX. I never missed a payment. I was never told that my monthly payment amount was insufficient for repayment in this program. When I called my servicers to verify, they stated that I would qualify for public service loan forgiveness because the loan was a direct federal loan through XXXX. 

XXXX is my current servicer. 

I received a letter in XXXX of XXXX from XXXX XXXX/U.S. Department of Education referencing account number XXXX XXXX XXXX. This letter verified my qualifying employment - but categorized 100 % of my student loan payments as non-qualifying. They wanted me to make 120 more payments on this loan and try again in XXXX. 

I have XXXX XXXX in college now - this is impacting my ability to support them. 

If you have any questions, please contact me at XXXX. 

Thanks, XXXX XXXX XXXX
Product: Mortgage

Citibank and XXXX ( the loan servicer ) overcharged for amounts that were not disclosed on the closing documents and refuses to refund. 

I closed a no-cashout refinance on XX/XX/2019. Citibank required cash to close for the impound accounts ( this was disclosed ). In addition, they " streamlined '' the impound account balance from the previous loan into the new loan which was NOT disclosed. This resulted in double charging me for the impound accounts ( approx. {$3800.00} overcharged ) and was not disclosed on the closing documents. 

I have contacted Citi and XXXX 10-20 times over the past 3 months for a refund, and they refuse to send the money.
Product: Debt collection

DEAR XXXX XXXX ; SCHREIBER LAW LLC ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question. 
You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action.

2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter.

* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken.

3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.

4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by XXXX XXXX XXXX. We extended forbearance until it was transferred to XXXX end of XXXX XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX
Product: Debt collection

Consumer States Recovery in XXXX Ks. send a letter I receive on XXXX XXXX regarding a debt they said I owed to XXXX XXXX XXXX XXXX Ks. of {$100.00}. Prior to this date I never received any billing from XXXX XXXX so I was surprised and angry as my credit rating is perfect. I called the agency and they failed to return the call. On XXXX XXXX I received a refund of {$22.00} from XXXX XXXX-the same company requesting the debt collectors to pursue?. I called XXXX XXXX and the check was an over pay so they refunded it. I was even more confused as they refunded money I didnt pay and sent collection on a debt I never owed. 
I spoke with billing at XXXX and they have no record of sending a bill collection request to the Central States Recovery. 
I called the CSR and they said they would put my case on hold. I told them XXXX XXXX has no record so I would like your record of this debt request. 
On XXXX XXXX I called CSR again and asked to either they send me a letter proving XXXX XXXX sent the request of debt collection against me or they send me a letter reflecting it was a mistake and remove it from my credit record. They said they will call me back. I said thats fine but I still want it in writing. 
XXXX XXXX no letter from CSR has been received and so I confirmed again with XXXX XXXX they did not send CSR a collection request. 
I have the billing info from XXXX XXXX, the csr letter and the refund check from XXXX. I would like CSR to be investigated as I have never not paid a bill and have a good credit rating.
Product: Student loan

I'm not sure if my issue is with private or Federal loans, bc I'm not getting straight answers and they have failed to show me that they can prove validity of the loans with MPN  or any other legal documentation showing where I was even told my loans were in default and my taxes were going to be offset. XXXX XXXX XXXX XXXX had my taxes offset last year and took {$6700.00} and even though I explained that I was experiencing severe financial hardship and was in a XX/XX/XXXXthat I had planned on escaping with my daughter that was XXXX with the money they took and I begged them to return it and asked what I needed to do to make that happen.i set up payment plan that day and emailed everything they asked for.never heard anything from them.the it's sent me a letter saying my offset was no longer in place so I called Kentucky higher education and told them about the letter I had received and asked when I could expect a reversal of the offset. They couldn't give me an answer.i was forced to continue to stay in the XXXX   situation bc of a terrible fall causing XXXX XXXX  the week prior to my offset and I couldn't go back to work.that fall alone should have showed severe hardship but it didn't I guess. Well in XX/XX/XXXX I was XXXX very badly and my XXXX   was XXXX and XXXX XXXX XXXX XXXX, XXXX and XXXX from head to toe.my daughter and I left and we're transit for a couple months under an order of protection from XXXX  and relocated to Florida. I called again to see if my situation warranted a reversal yet, the answer was no. They claim they didn't receive my paperwork, omg I have emails to prove it.i was forced to reconsolidate inXX/XX/XXXX to avoid my wages being garnished and my XXXX license taken due to default. I got a letter from Kentucky higher education after calling them asking why my credit report didn't show a payment for the XXXX that they took and why were they still showing me making payments on time when I was under a payment plan that they set up and got automatic drafts so I know they were paid on time.they gave me some crazy excuse and said that if I continue to fight for the money I lost with the offset that they would put me back in default bc they would sue me for that money if they were forced to refund it, bc once I consolidated and my loans were paid off, it didn't cover the money already credited, but had they returned it to me like they should have prior to the consolidation, the new loan would have covered all of it. And the loan in question is a loan from XX/XX/XXXX-XX/XX/XXXX but they show a XX/XX/XXXX date and I didn't reconsolidate or anything then. But that's around the time they claim default but my credit report shows of me making payments to them up until they took my money. So none of it makes sense but I think they fraudulently took my money and failed to return it causing me to suffer even more.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two student loans opened at the Department of Education on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a student loan opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, two student loans opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX XXXX the account number XXXX, an account opened at XXXX  on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and an account XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in XXXX fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question included in a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a copy of FTC Identity Theft Criminal Complaint ( Report # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX  ) : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX AN XXXX COMPANY ) : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Money transfer, virtual currency, or money service

I was on a university XXXX group trying to find housing for next school year on Monday, XX/XX/XXXX at XXXX. I contacted the girl on her post, and she sent me a video for the tour of the apartment along with an address. They asked me for my ID, and I thought it was to confirm if I was a real person. She advised me to pay for the apartment first to save my spot because we have a housing crisis. So, I got in contact with her manager, and he told me to pay {$1100.00} through XXXX. I am new to XXXX, and I only did what I was told. When I made the first payment, they asked for another. So, I was suspicious and investigated her further to find out that she sent the same post to different campuses, so it was a scam. I asked for a refund because I did not yet sign my lease, so I should be able to get my security deposit back. They refused even further, arguing that it was in our contract, but they did not present me this contract at all during the conversation. This is when I found out that I actually got scammed. I have tried contacting XXXX, but because I authorized the payment, they will not allow a refund. Chase told me that because I processed the money using XXXX and that the transfer was already completed, they could not do anything. I have filed a police report to my local county police but have not yet received a response.
Product: Credit card or prepaid card

SECOND complaint about the SAME ISSUE!!! 
XXXX XXXX XXXX - XXXX XXXX XXXX  with PayPal Credit. - Issue NOT resolved!! 

Every month I have to call PayPal credit because there is an error with my account. XXXX 's statements showed I owed {$2400.00}. The correct amount owed was {$23000.00}, from two purchases on Easy Payments with 0 % interest. The difference is {$170.00} which turns out is from a credit that WAS NOT PROPERLY credited to my account per a Paypal credit representative that I spoke with on the phone. The Easy Payment, payment due is approximately {$130.00} a month, yet I had to make a payment of {$140.00} due to the additional {$170.00} showing as owing on this account. 
Now on XXXX 's Statement, it shows I owe {$2300.00} and that I am now being charged interested!!! Which yes has been credited to my account. The CORRECT balance owed is {$2100.00}, now a difference of {$150.00}. Again, payment must be made of {$140.00}, which is HIGHER than I should be paying as the ONLY charges on the account are the two EASY PAYMENT charges!!!

While my first complaint shows as the issue was resolved it was NOT. THEY LIED TO YOU!!! They only credited me the interest charge - THEY HAVE NOT FIXED THE ISSUE OF THE {$170.00}!!!!

As I have stated before, you should investigate every single account held by Paypal credit as I can only imagine how other people 's accounts must look if they can not even keep mine correct!!! 
EVERY MONTH I HAVE TO CALL BECAUSE SOMETHING IS WRONG!!!
Product: Debt collection

they call multiple times a day ... but each instance ranges from 5 to 10 calls back to back to back
Product: Credit card or prepaid card

Hi! In XXXX, I used an XXXX store card whose carrier is XXXX. I shopped for Christmas presents and got hard copy statement. I paid it. In the month of XXXX they told me was late, via text, no hard copy. I didn't even know this was the same card there was reference to XXXX Bank. They didn't bill me by a hard copy so I could not tell what else I purchased. I filed a complaint because I did want my credit rating to drop. There was no reference to what I actualy purchased and the text only referenced XXXX  NOT XXXX called they didn't give me address to even send it nor an electrical address to send the payment. At the end of XXXX, they had informed XXXX that the purchased were fraudulent, they were not. I complained to an agency because of bad business practices ; not bad merchandise. I sent them a check for the remainder of the balance. Then I received a myriad of message that stated I was 'displeased ' by my products and they reneged paying those merchants. I never said that and demanded from XXXX  they repay the merchants with the monies I already used. I also demanded they cancel my credit card. I spoke to a representative and they promise to pay the merchants and reimburse me. Last week, I received a check from them figuring I overpaid them. Today, I got a letter from them demanding the money back. Thus far they have no evidence that they even paid the merchants and I know overpaid them. I want the matter resolved..
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute for an inaccurate late payment that is reflecting on an installment account for the month of XX/XX/2022. The investigation resulted in a verified reporting. Thus, is incorrect as I submitted proof of payment as well as communication from the furnisher that the payment was made on time and in full and should be reported as such and not over 30 days late.