23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XX/XX/XXXX-affiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans. 

XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed these fraudulent inquires but did not get any response or results, these unknown iquries are not mines nor did I authorized any of the following : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date..

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I just saw an unauthorized inquiry on my credit report, and I dont understand how it got there. I check my credit report regularly, but this time, I noticed discrepancies that shouldn't be there. Hoping it was an error, I refreshed my browser, but the issue remained. I am beyond frustrated with this situation, and I insist that my submitted documents be carefully examined so I never have to deal with this again.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, Equifax XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I am writing to dispute  XXXX   XXXX  #  XXXX  on cr edit report number  XXXX  The balance listed on the account is incorrect. Please delete the account.
Product: Debt collection

This letter is in response to your communication regarding an alleged debt. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I request that you provide me with the following information : The original creditor 's name and address. 
The original account number. 
The current amount of the alleged debt. 
A copy of the original contract or agreement that created the debt. 
Documentation that you have the legal right to collect this debt. 
An itemized accounting of the alleged debt, including all charges and payments. 
Please provide this information within 30 days of your receipt of this letter. 

Be advised that until this debt is validated, I dispute its validity. If you fail to provide the requested information, I request that you cease all collection efforts immediately. 

Please be aware that under the FDCPA, you are prohibited from continuing collection activities until you provide me with verification of the debt. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau, received XXXX fraudulent claims that I was late on payments and destroyed my credit score. The companies that gave these false reports are XXXX XXXX and XXXX XXXX XXXX. I had a {$2000.00} loan with XXXX XXXX and when I made the last payment XXXX XXXX claimed I refinanced my loan and that I owed them {$1800.00}. XXXX XXXX could not provide XXXX piece of evidence attesting to the refinancing of my original loan. There is a report with CFPB concerning XXXX XXXX 
I disputed this with Equifax but they wouldn't do anything about it and drove my credit score down to below average. 
The same scenario happened with XXXX Credit Card. I had charged approximately {$1400.00} dollars worth of vitamins from a company called XXXX XXXX. Every payment I made the account balance remained the same and i was paying interest as if I wasn't making any payments at all. This went on for months and the amount owed on this account never went down. I complain to the CFPB and all of a sudden the balance went down to where I had only XXXX payment remaining. XXXX Credit Card contacted all three of the credit bureaus and told them I was over XXXX days late on my last payment. However, all payments to XXXX Credit Card were on auto-pay and the monthly statements showed auto-pay. I disputed this and I provided copies of the monthly statements to each of the credit bureaus and pointed this statement out but they did nothing other than lower my credit score.
Product: Debt collection

In regards to phony collection practices by LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ( XXXX ) XXXX This information was not provided by LVNV Funding LLC. I had to look this up on the internet. Not once did they send written notice of the debt. By avoiding this step they were able to get a summons which I never received and writ of garnishment. All this and I don't even know what this debt is about. I have no old debt. If so it would be zombie debt and past its statute of limitation. They violated the Fair Debt Collection Practices Act. They are using a proxy " legal '' firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. From whom I have only received two documents in the mail and this only after I contacted them after finding out about the writ of garnishment from my bank. I informed them only that I have no debt. That all debt had been paid in XX/XX/2015which for me was a terrible year with the passing of my mother and having to pay for her funeral out of pocket. LVNV Funding LLC is a company that has many identities and they use these identities to get individuals to pay for the same debt over and over again. They are fraudulent and anyone associated with them is suspect to me. They are being investigated for violating collection practices acts. Although LVNV Funding LLC initiated the procedure I have yet to receive anything in writing from this dummy corp.
Product: Debt collection

I had fraudulent activity on my checking account for which my bank continually hit me with overdraft fees. Right around XXXX, in a moment of desperation, I signed up with CASHNET XXXX. Since my bank account went underwater, they have been sending me notices with all different amounts due on them. Every phone call I receive quotes a different balance due. I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX continue to reporting my financial information with XXXX despite me opting out of doing so. I have a right to opt out of my financial information being shared without my consent. 

XXXX Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( XXXX ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. 

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. 

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I noticed some things that were wrong and other things that are not mine. My only name is XXXX XXXX, my only ADDRESS is XXXX XXXX XXXX XXXX, TN XXXX, I have never worked at SOCIAL SECURITY ADMINISTR CHILD SUPPORT. I see XXXX collections that are not mine and need to be deleted from my credit report. 
XXXX XXXX XXXX account # XXXX and XXXXXXXX XXXX XXXX account # XXXX. also these inquiries are not mine : XXXX XXXX and XXXX. Please help me!!!
Product: Payday loan, title loan, personal loan, or advance loan

My name is XXXX XXXX XXXX, a federal protected consumer me, and I am making this complaint against XXXX XXXX for committing identity theft. I have never given XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ).

I have not validated any alleged debt XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as a trilateral contract, giving XXXX XXXX  any right to collect on this alleged debt, has insurance been file, has 1099c been filed and im requesting you provide me with your errors and omissions insurance number.

I have never received any documentation requesting validation from XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced XXXX  continue its collection efort, I will file for litigation for actual damages caused XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.

ACCOUNT # *0046
Product: Credit reporting or other personal consumer reports

Pursuant to USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC1681 b. 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 

I would like the following accounts removed : LVNV FUNDING LLC : ACCT : XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$450.00} XXXX XX/XX/XXXX {$650.00} XXXX XX/XX/XXXX {$250.00} XXXX {$430.00} XXXX XXXX XXXX ACCT : XXXX XX/XX/XXXX {$2200.00}
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from DEBT RECOVERY SOL. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against DEBT RECOVERY SOL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

I gained access to my credit report and noticed several items that weren't recognized and personal information was incorrect. These accounts and inquiries were pulled without my permission or consent. I demand a full and thorough investigation on my credit report. This is destroying me financially in my life, I can not get extended any credit due to this crisis on my credit report. PLEASE REMOVE / DELETE these items off my report. 

XXXX Account # XXXX Bal : {$180.00} Opened : XX/XX/XXXX Self Account # XXXX Bal : {$180.00} Opened : XX/XX/XXXX XXXX Account # XXXX & # XXXX Opened : XX/XX/XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX Account # XXXX Bal : {$180.00} Opened : XX/XX/XXXX XXXX XXXX Account # XXXX Bal : {$220.00} Opened : XX/XX/XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX XXXX XXXX  XXXX Account # XXXX Balance : {$20000.00} Credit XXXX XXXX Date XXXX XXXX Account # XXXX Balance : {$11000.00} XXXX XXXXt XXXX # XXXX Balance : {$500.00} XXXX XXXX XXXX : Date : XXXX # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX : {$76.00} XXXX XXXX  Account # XXXX XXXX balance {$1000.00} XXXX XXXX XXXX # XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX {$1000.00} Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This XXXX XXXX XXXX XXXX XXXX 15 USC 1681N 15 USC 1681 Q, 15 USC 1681 E In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
Product: Mortgage

Hello, We are desperate and really do not know where to turn for help. Back in XXXX of 2020 we heard that because of Covid 19 and the nationwide shut down, mortgage companies were offering up to 6 month of ( deferred? ) payments. So we called US Bank and they agreed to let us take up to 6 months off with no payments. ( Our original mortgage was sold to US Bank. ) Neither of us had lost our jobs ( both XXXX  ), but I lost some income as a XXXX and my wife was unsure what could happen with her job because it is a XXXX XXXX  that relied on tuition, so heading into summer, it seemed like a smart thing to do. 

So fast forward to XXXX. We wanted to start paying again so we called them to let them know and to find out what to do. We were told that we needed to pay {$3600.00} to make up the escrow shortage and then our regular payments would start again on XX/XX/XXXX. So we paid the escrow. We made our regular payments in XXXX and XXXX, on time. We then got a letter saying our payments were late. This is where it gets crazy. We called and they said that the escrow payment was applied to the XXXX, 2020 payment and one of the regular payments was applied to XXXX. So this was a mistake on their part. 

To make a long story short, we have called them 12 times in the past 2.5 months. Each time it is a different person because they can never seem to find the last person. Also, each time, they gave a different explanation and claimed either they would fix it, or that someone would call back. They have moved payments around, but further messed it up. They even have a payment in " suspension account ''. We have talked to customer service, loss mitigation, escrow, and supervisors. ( I have names, dates, and notes for each call, most of which have been 2 hour ordeals. ) They have told me 6-7 times that they figured out, and 6 or 7 times that they would call back. It is not, and they do not. One person even told us to ask to defer payments again and then request a loan modification. ( And they never followed up ). I have talked to no less than 20 people. 

As of today, XX/XX/XXXX, I called again and was told a supervisor would call me right back. That was 2 hours ago. We have made regular payments every month since XXXX but they have us listed as 2 months behind. Also, my credit score dropped 100 points today, even though they assured me they would make sure this would not affect it. 

This has caused us a lot of stress and confusion as you can imagine. We would love to chat with you about this and we are willing to do anything at this point to let people know and to get this resolved. 

Thanks so much,