23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Thousands of students were scammed by American Education Services ( AES ) into taking out predatory private loans to attend for profit schools such as the one I attended, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As a matter of fact, The XXXX XXXX was investigated by The U.S. Department of Education. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX  XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of XXXX against XXXX XXXXXXXX XXXX, and my Fed. loans of {$48000.00} were discharged and my credit repaired.

My Borrower Defense Claim was also part of the XXXX XXXX XXXX  settlement for which I was a full class member. 
I am aware that Pennsylvania Higher Education Assistance Agency ( PHEAA ) was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that AES was XXXX " preferred '' lending company in a " deal '' with these schools during the early XXXXXXXX XXXX These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for PHEAA, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit schools. After the AG settlement, didn't AES also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't AES have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't AES been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which AES is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? AES knows who we are. Under the FTC " Holder Rule '' AES is liable for giving predatory loans in connection with for-profit schools. Time is running out for AES to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to AESs CEO asking to discharge these loans NOW! It's time AES do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Credit reporting or other personal consumer reports

There is an account that was opened ( XX/XX/XXXXXXXX  Transunion is reporting ) and ( XX/XX/XXXXXXXX  XXXX Is reporting ) with balance owed of {$0.00} and closed with Transunion and {$0.00} paid with XXXX for XXXX XXXX XXXX XXXX, I was victim of fraud due to the XXXX data breach in XXXX  and my personal information was used to open many accounts which I did not authorize, there is no permissible evidence that has been provided, which is also against my consumer rights. I have asked this company to remove this inaccurate information they are reporting to my report
Product: Debt collection

XXXX XXXX in XXXX, Tn turned over a {$480.00} debt to Fox Collection in XXXX, Tn. XXXX XXXX made a mistake when they did this b/c I 'd got a XXXX program at XXXX XXXX XXXX in XXXX to pay for that hospital visit. When I pointed this out to XXXX XXXX they cancelled the remaining balance on my account. Fox Collection reports a zero balance on the debt but they have told XXXX XXXX and me as well. That they can not remove that negative account from my credit reports. Which we all know is false. Collection Agencies contact credit bureaus everyday and inform them they would like for accounts to be removed that were settled, cancelled and/or paid off.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately : Account Name : XXXX XXXX  Account Number : XXXX Reason : Account is fraudulent Please respond to me with an updated copy of my credit report once these accounts have been removed.
Product: Credit reporting, credit repair services, 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. 
Account name : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and 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 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: Mortgage

Lender not willing to postpone the scheduled sheriff sale despite having a complete short sale packet including a buyer. My family has gone through much hardship and we are trying to do the best in this unfortunate situation. The lender is not cooperating or being fair
Product: Mortgage

As of XXXX, the original date that the property first opened. They have the original date as XX/XX/XXXX is the date that they refinanced without letting me know, which is identity theft, until after the divorced in XXXX. I have the documents to prove it. I have the mortgage monthly payment from my XXXXXXXX XXXX checking account submitted to Wellsfargo Home Mortgage Account, but I found it is going to my ex wife savings account instead. So I had been paying my ex wife, because they paid off my mortgage on the same that I purchased, without letting me know. Thats how they fraud me.
Product: Vehicle loan or lease

Hello, i have gone in to look and test drive a car at Bmw and i was just there to look and i was pressure tatic to sign papers and now im stuck with a very high payment on this lease i said i couldnt sign because i am on medical leave due to long term XXXX and they said blah blah this is a good deal you wont get a deal like this in the future etc. I teied to call bmw financing services which is the bank and they said i can not make any arrangements im still on medical leave and it would be nice to lower my monthly payment some how. If possible extwnd the lease agreement to lower payments or lower the money factor but i was forced into leasing the car when i mentioned i cannotot afford {$580.00} month i would be happy if it was in the low 400s i can work with that. Because i have to pay insurance on top of this i do not want to get a lawyer until i can possibly solve this with bmw finance services first. I was lied to and pressures into this lease. Please give me a call XXXX XXXX XXXX
Product: Student loan

My loan balance has steadily increases over the last few months at lease {$1700.00}. When I called Navient, they informed me it was due to uncapitalized interest. Each month I make my monthly payment, on auto payment so they do n't mess it up, and a portion of the payment is applied to principal. After calling, I was informed interest accrued daily and I only paid what accused during the billing period. Other letters from Navient state they will apply payment to excess payments to accrued interest only then principal. When making extra payments, I would choose not to move the next due date. The due date always was extended and the loan terms changed at times.
Product: Debt collection

The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX / XXXX / {$0.00} XXXX  XXXX  XXXX/ XXXX / {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXXXXXX XXXX- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX XXXX  XXXX {$13000.00}.
Product: Debt collection

I was notified that I owe a debt to some company. I have not recieved verification of the debt and i have no clue what the debt is for. i dont even have the name of the orginal creditor. or the charges and amounts.
Product: Credit reporting or other personal consumer reports

Dear Mr./ Mrs . 

I am writing you this letter regarding payments that were marked late by your company for the following on the following date ( s ) : XX/XX/year> It is my understanding that per 15 USC 1681 ( a ) ( 2 ) A ) 0 ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the date specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & Transunion or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax Information Services , LLC XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. 
I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( XXXX ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT. BAL : {$8500.00} This ACCT. is duplicate with multiple listing as open error please delete.. 
2. ACCT. NAME : XXXX XXXX XXXX - XXXX XXXX XXXX ) ACCT. BAL : {$1200.00} This ACCT. is duplicate with multiple listing as open error please delete. 
3. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$500.00} This ACCT. is duplicate with multiple listing as open error please delete inaccurate. 
4. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT.. BAL : {$420.00}. This ACCT. is duplicate with multiple listing as open error please delete. 
5. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT.. BAL : {$440.00} This ACCT. is duplicate with multiple listing as open error please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX formally known as XXXX. They have placed erroneous information on my credit profile that I have been disputing with them directly as well as the Credit Bureaus. Today I received an email from them claiming I owe them a debt and have a right to dispute it. However, I have already been disputing this debt since XXXX of 2022. This account came to my attention in XXXX. 2022 as a charge-off showing up on my credit reports. I have sent written letters as well as emails to them awaring them that this account was open fraudulently and that I have no knowledge of this debt. I was told in response that I would have to dispute with the credit bureaus and with the FTC and they would follow-up with an investigation. I emailed them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As well as filing a report with the Federal Trade commission. I delivered the reference number of my report to them ( # XXXX ) via email. Nothing has been done about this. In addition I have pulled my credit report and the data furnisher has violated my consumer rights in accordance with the FDCPA. the data furnisher has failed to mark my account in dispute status, as well as failure to conduct a full and thorough investigation. I have the right to and accurate credit profile. I want this account removed from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used car with my girlfriend and received a loan in XXXX of 2017 from Prestige Financial. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the 3 major credit bureaus. XXXX, XXXX and XXXX are still reporting this account and all of the derogatoriness. 

There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! 

For example, XXXX and XXXX shows the balance on this account as {$22000.00} and XXXX shows the balance as XXXX. Now how can this be? But on my girlfriends credit report, XXXX shows a balance of something different! 

It's only one or the other, how can there be 3 different balances on the same joint account? I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was? 

I don't know what else to do in this situation. Please help! 

I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!
Product: Vehicle loan or lease

I went through Wells Fargo dealer services to purchase a 2005 expedition XXXX XXXX they denied me for the loan and told me to get a cosigner once I got a cosigner my loan was approved however my monthly payments were extremely high because I was paying the insurance for the truck through Wells Fargo dealer services but I also have my own insurance that I was paying on it monthly and I was unaware that this was going on and once I was notified it wasn't until after the truck had been repossessed and the loan had went into default I lost my job during the long process and I asked for a hardship and they told me that they could not they do not do that and I only owe {$10000.00} on the loan.
Product: Credit reporting, credit repair services, 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 and 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 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: Credit reporting or other personal consumer reports

I believe theres inaccurate data on my credit report, as outlined by 15 USC 16c-2, and it's harming my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1300.00}
Product: Payday loan, title loan, or personal loan

I took out a payday loan with " Moneytree '' that, unbeknownst to me, was written to come due 3 days before my payday. I submitted my application online and when I went into the branch location I didn't have my glasses with me so when they had me circle the payment due on a piece of paper I asked " this will come due 2 days after payday my - right? '' the Moneytree employee told me " yes. '' What is the point of taking out a payday loan that is due before payday? I could of bounced a check without Moneytree. I was under the impression I was taking out a payday loan - not getting money fronted to me in a scenario in which I have no chance to repay on time. 

Why do they require an applicant to submit paystubs that clearly show I get paid twice a month ( XXXX and XXXX ) then write a payday loan due on the XXXX? 

Is that legal? I bargain in good faith so I will payoff the loan on XX/XX/XXXX ( payday ) but there are penalties and fees I am being saddled with. 

Again, I took out a " payday '' loan and paid it back on the XXXX payday from taking out the loan. They wrote a loan due before the next payday which is indicative of poor loan underwriting on the part of Moneytree. 

Irrespective of my case I strongly feel government scrutiny is needed because of Moneytree 's suspect business practices. 

Thank you for your time in this matter. 

XXXX XXXX
Product: Student loan

I was in a post XXXX  XXXX program and Aidvantage restarted their repayment programs secondary to the end of the XXXX  emergency. For some reason they decided that I needed to repay although I was still in school through XX/XX/XXXX. I called and told them this and they said not all my loans were in deferment ( which is not true ) and it was my schools fault ( also not true ). I called and made a formal complaint via email. I received a less than helpful response today stating that customer service was looking into this matter. Not only was I in school in XXXX, I am now in a XXXX XXXX  with XXXX XXXX and again, should not have to pay anything on my loans. I received a second email today stating that I was late on my loan payment. This is absolutely absurd. I called customer service this evening and sat on hold for over an hour until their offices closed. No one ever answered the phone. The malpractice and misleading practices are absolutely not okay. Even if I was not back in school I have a 6 month grace period where I do not have to pay. This is now showing as delinquent on my account and they do report to credit beaus. The lack of response needs to be dealt with and this servicer needs to be told that they can not service student loans in this matter. I need this fixed and I am sure I am not alone with this difficulty.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that you delete the following accounts from my report as I have obviously been affected by the XXXX breech. Please delete them asap. 

The only address reporting should be as : XXXX XXXX XXXX Phone Number : XXXX I have attached the proof with valid claim. 

XXXX XXXX Balance of {$17000.00} XXXX XXXX Balance {$820.00} XXXX XXXX Balance of {$1200.00} XXXX XXXX {$59000.00} XXXX XXXX Balance XXXX {$450.00} XXXX XXXXXXXX Balance {$1200.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX Balance {$7200.00} XXXX XXXX {$450.00} XXXX XXXX XXXXXXXX {$690.00} This has been an ongoing issue I hope that this is my final complaint as now I have proof to take legal action against Experian.