23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX. 

As a matter of fact, XXXX XXXX  was investigated by the FTC and charged with making misleading claims about high graduation rates and high rates of job placement within XXXX months of graduation. Furthermore, XXXX was involved in a class action lawsuit XXXX, et al vs. XXXX XXXX XXXX, in which I was a full class member resulting in a settlement I received. 

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX, and my Fed. loans of {$90.00} 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 Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 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 fo
r XXXX months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but, what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 

After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

Furthermore, I am also aware of a " pilot '' program by which Navient 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? Navient knows who we are.

Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have misrepresented themselves to the public in order to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these private loans made to attend online for profit schools NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX XXXX reported during the period of student loan payment suspension to the credit bureau a balance increase of my loan and my loan was 90 DAYS past due. XXXX never sent any documentation or notified me in writing that my bill was past due. I never received anything in writing with a date that my payments would resume and I did not agree to start making payments during this time. This has caused my Credit Score to XXXX XXXX points and damaged my perfect payment history overall on my report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding identity theft, resulting in unauthorized accounts, inquiries, and addresses on my credit report. Despite my efforts, TransUnion, XXXX, and XXXX have failed to address these inaccuracies. 

Fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These actions violate FCRA, FDCPA, 15 USC 1666b, and Colorado state laws. Please ensure these agencies correct my credit report.
Product: Credit card or prepaid card

On XX/XX/2017 I used my credit for a temporary deposit on a rental car for XXXX for the amount of {$340.00} and in XX/XX/2017 as well a charge of {$84.00} a total of {$430.00} and the vehicle was returned on XX/XX/2017 and I the i was told my deposit was going to be back in account in 7 days I filled a complaint and a dispute couple of times and I did fax Bank of America the proff that XXXX released the full amount back to my account and Bank of America does not refund back my funds to my credit card so I have been back and forth with Bank of America since XX/XX/2017 and till this date not have a resolution to my money. I have all the case numbers dates names and all of XXXX emails and proff of the credit release and it has all been sent my Bank of America so I desperately please need help on getting back my credit that I XXXX intitiled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX continue to report my student loan account with XXXX incorrectly. The account has been paid in FULL. I have sent several letters to the reporting agencies to have the balance corrected.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account by XXXX XXXX XXXX with account number XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my XXXX XXXX and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Specific Errors : This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. 

Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards.

2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified.

3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX XXXX XXXX  , are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately.

4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports.

Specific Requests : 1. Conduct a thorough investigation into this account. 
2. Request XXXX XXXX XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 
3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 
4. Provide me with a written response detailing the results of the investigation and actions taken.

I expect this matter to be resolved promptly within the timeframes established by law. Should I not receive an adequate resolution, I reserve the right to take additional action, including legal measures, to protect my rights as a consumer.
Product: Debt collection

This account was open due to my identity theft I I have sent police reports on in regards to this matter. I have contacted this company that no longer owns the debt and they continue to tell me they cant speak with me. They wont respond to a written dispute that was sent XX/XX/20.
Product: Debt collection

Received multiple phone calls last XX/XX/XXXX through XX/XX/XXXX ( multiple times a day ) saying that criminal charges were being filed against me. Wouldnt give me information. So I would hang up thinking its a scam. Now Ive notified by my employer that my wages are being garnished. Never was served with anything, but do lets say my signature was signed for XXXX delivery to an address I didnt even live at! There was an eviction case at the same municipal court 3 weeks earlier. So now the company or the court is lying about the signature of being served? 
The lying scum 3rd party collection agency HS Financial was allowed to have this judgement filed against me when it was past the statues of limitations to sue me for this debt. How does a this happen?
Product: Debt collection

I received a letter in XX/XX/XXXX from an attorney, Kenneth Davidson, stating I owe a debt of {$1100.00} including interest. I wrote him back requesting my entire file from his firm along with the original creditor 's file since I have no idea who this person is. From what I understand per the Colorado Fair Debt Collection Practices Act, this is what I, as a consumer, am allowed to request. He mailed back to me a copy of a NSF check in the amount of {$40.00} that I had written on XXXX/XXXX/XXXX. This is all he sent me. Still having no idea who this person is, why I am just now being notified of a {$40.00} NSF check that incurred interest & not receiving any other information, I submitted all documents with my complaint to my Colorado Attorney General 's office. A server came to my home & gave me an Interrogatories form that I was supposed to fill out and return to this Kenneth Davidson attorney ( not the court ) within 14 days, a week later. I submitted this to the Attorney General 's office and received an email stating I need to find a lawyer because they do not give out legal advice. I did not feel comfortable filling a form out to someone that I do not know and am supposed to list very personal information. On XX/XX/XXXX, I received a CC letter from an investigator at the Attorney Regulation Counsel to this XXXX XXXX stating that he failed to comply with the Colorado Fair Debt Collection Practices Act, he had the opportunity to respond to the letter, he was to send in documentation and also address me that he failed to comply with the Act. My case number with the investigation is XXXX, if you need this. XXXX XXXX sent both of us a multitude of paperwork that I have never received, along with, a court document with my signature on it from XX/XX/XXXX, stating I agreed to pay this debt. It is my signature, however, it is mortifying to think of where else my signature has been fraudulently used because I never signed any documents with or in front of this person. I received a letter yesterday stating that I will be held in contempt and will go to jail if I do not fill out another Interrogatories form immediately to his office. This morning, the Regulation Counsel investigator 's secretary called and told me that I needed to find a lawyer for the Interrogatories form while they still investigate. I feel XXXX XXXX has violated Colorado 's statutes 12-14-108 by charging interest, 12-14-109 by not providing me the original creditor 's information, 12-14-107 ( h ) false representation or implication that the consumer has engaged in any disgraceful conduct, 12-14-112 deceptive forms - making up false forms he supposedly sent to me, and the Colorado Defamation Law 18-13-105 Criminal libel from the horrible things he wrote about me to the Regulation Counsel investigator. May I ask for your assistance in this matter? I have never been this threatened, discriminated and my name abused in my life! I am also XXXX. I have all documentation if you would like them. Thank you for your time.
Product: Credit card or prepaid card

I am filing this complaint because after reaching out to capital one to resolve the issue they were not willing to assist. This complaint is in regard to 30 day late payment that is reporting on my credit history for the months of XX/XX/XXXX- XX/XX/XXXX. 

I was making monthly payments as usual through all of those months ; however, they are stating that a payment was returned in XX/XX/XXXX that I was not informed of which is why the history is reflecting the late payments. 

I have had an amazing payment history with them and I was not aware of any payment being returned nor did I receive any notifications from my bank nor Capital One even while I was making payments via their representatives. 

I feel if the payment was returned I could have been informed via mail or even by a phone representative instead of them not letting my know they continued to accept monthly payments as usual and negatively report my accounts to the credit bureaus when the situation could have been handled more professionally. 

I was informed by a manager on their escalations team to dispute the late payments ; however, upon initiating the disputes they continue to state they are accurate even though they informed me they would remove - update my credit file with the credit reporting agencies ; however, they have failed to do so. 

They also have address listed as XXXX XXXX XXXX, XXXX AL XXXX which is inaccurate.
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being 30 days late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I am writing to formally dispute the information contained in my credit report, specifically regarding XXXX XXXX XXXX XXXXXXXX. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. I reached out to XXXX XXXX regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/year> American ExpressXXXX XXXX Department XXXX : Request for Account Information XXXX Dear American Express Team, I am writing to formally request information regarding my account with American Express. Please note that this is not a dispute but a request for clarification of specific details associated with the account. I kindly ask that you provide the following information : XXXX. The date of first delinquency associated with the account. 
XXXX. The date of the last payment made on the account. 
XXXX. The date of charge-off for the account. 
Your assistance in furnishing this information would be greatly appreciated. Please send your response to the address listed above or contact me at [ your phone number ] or [ your email address ] should you require any further details. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Money transfer, virtual currency, or money service

Gemini app i purchased doge coin XXXX dollars and lost XXXX tried to withdrawal the rest its been 8 business days no answer from emails the number they have is not the number for the company belongs to an individual i have exhausted all resources they provide for contact still no anwer and on XXXX  they had atleast 400 complains about the same thing dont know what else to do
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted from Transunion. Please delete the go accounts. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have more items left that need to be removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX & XXXX. Please see the items to be REMOVED below that resulted from an alleged identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My loan was reaffirmed XX/XX/XXXX2018 and mortgage company is trying to submit my default payments from XXXX for the purpose of getting credit agencies to not reinsert my loan that is open and current. 

The Fair Credit Reporting Act requires creditors to furnish complete and accurate credit information to the credit reporting agencies. If you have reaffirmed a debt and you are making timely payments to your creditor, the creditor has an obligation to accurately report your payment history to the credit bureaus. If they fail to do so, you are potentially entitled to recover statutory damages, as well as any actual damages you may have sustained as a result of diminished credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, XXXX I disputed the following accounts directly with EXPERIAN for validation and removal ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. Each time EXPERIAN responded, they CLAIMED they investigated the account and verified it but failed to provide me with the proper documentation necessary to validate such items, from my understanding if an item is not validated/verified lawfully within 30 days then the credit reporting agency must delete said item. But as of today XXXX each item is still being furnished unverified to my consumer report 158 days after my initial correspondence to EXPERIAN. I decided to take my dispute efforts to remove these items a step further and sent EXPERIAN a letter stating they violated the law because they did not have my written consent to furnish any information, as a result they ignored the law, cease and desist and affidavit of truth I sent and sent me back boilerplate notice that the items were verified. I didnt ask for verification in this particular dispute so that tells me theyve been completely disregarding the contents of each dispute and sending an automatic response. Furthermore I decided to do a UCC-11 search on myself to see if I did have any debt registered under my name, and the results directly from the Georgia Superior Court Clerks Cooperative Authority proved as of XXXX I have no records of debt registered under my name, therefore each account listed above is being furnished illegally and harming my ability to obtain credit.