23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I 'm in a double situation of annoyance. I was a previous student of the XXXX XXXX of XXXX. A company that was sued not that long ago for fraudulent activities and recruiting low income students in order to take out more loans than needed. On top of NOT being accredited, it made it significantly difficult to transfer credits to a better/reputable school. The credits themselves do n't even transfer to their OTHER XXXX branches. Forcing students to take out more money for classes because they credits could n't transfer over to schools within the same company. My loans were being handled by XXXX XXXX now Navient and it 's a nightmare. I ca n't afford to pay my loans off. They have absolutely no kind of payment plan that is affordable. When I had tried in the past to explain that I do n't have {$500.00} a month because what should I do? Not eat? Not pay rent? They hung up on me. When I called back the woman only wanted to speak to me if I could pay their price. I keep submitting for forbearance because I can not pay. What makes it worse is that my degree is considered useless. I could barely find employment in my field. Their graduation was a huge joke because all their graduates were supposed to have a showcase for recruiters show up. Not a single recruiter showed up for ANY department the students were in. I ca n't afford to go to another school and get a BETTER education from an accredited place and am stuck with XXXX worth of debt until probably the day I die. I find this extremely unfair that everyone was aware of the XXXX XXXX 's shady practices, SUED them and not a single student of that school that was a victim of their shady practices saw any kind of benefit. Now XXXX/Navient is being sued for the same nonsense and what will come out of it for me? Does my debt get abolished? Will I get my credit back to a decent place? Will I receive money to go to a new school? I hate that I did the right thing by trying to get an education only to end up misled and scammed by BOTH of these organizations. I 'm XXXX and have to pretty much START all over again in education paying desperately out of pocket for classes here and there because I ca n't afford to take out anymore loans to attend a school. Not even a community college.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT XXXX  DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a letter from XXXX XXXX XXXX , XXXX on XX/XX/2019 but was sent out from their office on XX/XX/2019. I will write my response in regards to this debt.
Product: Checking or savings account

I put a check in bank arournd XX/XX/22 I thought it was for a online job but it was a fraudulant check the Bank PNC let me know about a week later about it so than I started to notice They PNC Bank was letting my money go to different places I went in and asked to close my Account they told me They Don't Have any of my information and they could not help me. so another two months and I get XXXX and I can't pay my Bills and they claim I still can't close my account. so I got a new checking account and so far behind on my bills .Pnc Claims they did nothing wrong but where is my money!!! then they got a hold of my debt card too I don't Know what to do .I 'm trying to get off XXXX califorina address on my credit report but can't figure it out yet.scammers also got ahold of XXXX XXXX XXXX and took out loan now I owe them {$2900.00} I need Help!! 1
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to access of my credit information from Equifax. They say that they have no information on me, even though I'm able to access my XXXX and XXXX accounts and reports. Equifax has told me to send them my personal information ( name, address, driver 's license and social security card ) in order to access my information. I faxed it to them in XXXX of XXXX, and never heard back from them. I mailed it to them again in XXXX of XXXX, and did not hear back. 

The most recent time I called them ( XX/XX/XXXX ), they told me for the first time to get in contact with my creditors, since Equifax says they don't have information from them. I think this is unlikely to be the issue, since both XXXX and XXXX have my credit history from both XXXX and XXXX. I have mailed a letter ( on XX/XX/XXXX ) to XXXX to confirm that they are providing my information to Equifax.
Product: Student loan

My name is XXXX XXXX. Im writing you in regards to financial aid I didnt receive but the school is stating I received these funds. I did register in XXXX of XXXX and I believe the first disbursement was XX/XX/XXXX. The school I was attending which was XXXX XXXX XXXX XXXX disbursed my first payment and I received it but soon as I did I stop attending right after. 

On my paperwork I just discovered it showed I was withdrawn and next to it was showing code 51 for reason. As of last year I started working on my credit and couldnt understand how I owed over XXXX XXXX dollars in financial aid when I did not receive that amount. 

I started investigating on my own an saw my financial aid application was showing two disbursement. One in XX/XX/XXXX and the other showing XX/XX/XXXX. I cant understand if I was withdrawn how did I register for the next semester. Also how I passed my class in fall when I only attended a few online classes until I received my disbursement. 

The school has committed fraud against me or it could be an error but the fact they wont give me proof where those disbursement went is telling this was intentional. I look into old bank statements couldnt find anything. I also was told by XXXX that school received those funds and sent them back to XXXX but now the school is telling me I received the funds. 

They advised me to reach out to you to request information where those funds went but soon as you can get me what I need it will prove I didnt get that second disbursement in spring of XXXX. I hope I can get what I need to prove Im telling the truth but knowing how the school acted Im already assuming this wont be much help but at least it will be on the record. I need XXXX XXXX to prove they sent me those funds. Either a deposit or check. 

If you need to reach me you can by email or my cell XXXX. Ive been at my address XXXX XXXX XXXX XXXX XXXX AZ for 9 years. If they needed to contact me they could have. So every sign is telling me the school has done this to me and others. I really hope to get this matter resolved before it becomes bigger than it is. All Im requesting is that the school provides me with proof they sent those funds in spring of XXXX to me either with a check or deposit. If I owe it Ill pay but I know I didnt receive those funds. 

I have attach my XXXX and XXXX tax return. I filed XXXX that I attended school and for XXXX I didnt so I didnt file. I know I need proof but its hard to prove something you never received so Im giving you all I have. When I attended I attended long enough to get my first disbursement. I enrolled in online classes and I completed a few and I mean a few. This school didnt withdraw me until XX/XX/XXXX although I stop in XXXX of XXXX. They where passing me just to receive the financial aid money. How sick is that I guess its normal seeing no one has any intentions on helping me. I really hope someone here will.
Product: Debt collection

A few months ago, I downloaded some credit monitoring apps on my phone and I saw many things that were alarming. I had to addresses associated with me that were never my addresses in Alabama. Ive only lived in Maryland since entering this country. I also saw that there was a student loan from citizens bank under my profile and I havent gone to school in this country ever. I immediately disputed it and XXXX  returned and said that I co-signed for a student loan for a person by the name of XXXX XXXX. Although the account reported current, it wasnt mine so I disputed it. The did not remove it. Upon my own research, the two addresses in Alabama were associated with this man ( XXXX search ). Now the account has increased and shows out of deferment. Im terrified this account will ruin my report. Its not accurate. The addresses were removed but not the account. I filed a police report for identity theft and the report number is XXXX for XXXX XXXX county Police Dept officer XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I created a police report today XX/XX/2022 which I have uploaded to this website to dispute a loan that is being reported as paid each month under my name. I learned about this loan under my name when I decided to log into XXXX and get a copy of my credit report. This doesnt make any sense and it should be removed from my credit report. I made an identity theft claim and I told the police that I do not know why this loan is being reported as paid under my name every month. The specific account that Im disputing with XXXX and the Consumer Protection Bureau is a loan called U.S. Dept of ED/XXXX in the amount of {$41000.00} and the account number is XXXX. This is suspicious activity and I want the police to investigate it. Why is this loan being reported as paid every month under my name when I dont even know what this is? I called XXXX this morning to confirm that I can upload a copy of the police report to the email that I received confirming that my claim is being investigated. Ive attached a copy of my passport, Social Security Card and a Bank statement with my Address on it. Please remove this loan of my credit report. I have proof that this is identity theft because why is this loan being reported as paid every month if I dont even know what it is? Alright, Im going to mail in these documents also so that you guys have a copy.
Product: Mortgage

Rushmore Loan Management Services refusal by Rushmore to appraise house for cancellation of PMI I have written 3 letters to Rushmore as per their instructions, requesting an appraisal of my home to cancel the PMI. Each time I send in the request, they arbitrarily deny it, stating my home value is not 20 % value to loan. They are refusing to appraise the house for its new value post improvements. Each month I continue to lose money because my loan " service '' refuses to provide service.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a check for {$36000.00} dollars was deposited in my business bank account, which a company issued to pay for services provided by my company. 

Bank of America classified the check as fraudulent and by telephone informed me that the check had been reported stolen, so they decided to close my business account and send a check for the balance in the account, but did not send the {$36000.00} dollars of the deposited check. 

I contacted the company that issued the check, who verified with their bank that the check was never reported stolen and that the money came out of their account. They informed me that the transaction from their side went through normally and that the problem needed to be resolved with Bank of America. 

Bank of America insists that the company that issued the check should request a reversal of the transaction, but the issuer tells me that everything is fine on their side, that the money came out of their accounts and that they are not going to request a reversal because they have not reported anything wrong with the check. 

I gave Bank of America the phone number of the financial XXXX of the company that issued the check and the phone number of the bank agent used by the issuing company so that Bank of America could contact them directly and verify that everything is fine with the check. I have waited almost 2 months and Bank of America has not contacted anyone to verify that this transaction is not fraudulent. 

On Friday, XX/XX/XXXX I called and visited Bank of America to explain once again that the issuer will not do anything because on their side everything is fine, the money came out of their accounts the way they intended. On the phone and at the Bank of America office I visited, I was informed that my money can only be recovered if the issuer requests the reversal, but to this day Bank of America has done nothing to verify that the funds are clean and should be released. 

I have decided to initiate this complaint as I have called Bank of America at least 20 times and visited their offices at least 5 times, but I do not see them doing anything to resolve the situation. I understand that there are policies in place to prevent fraudulent transactions and I have provided all the information they require to prove that this is a clean transaction, but apparently Bank of America 's verification process does not work at all. This has been the worst experience I have ever had with a Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through XXXX but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been discharged and they told me that the holders on the student loan accounts are XXXX XXXX XXXX and that only they can make changes. I also reached out to XXXX XXXX XXXX and they told me XXXX should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both XXXX and XXXX XXXX XXXX have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid in full.
Product: Debt collection

I sent a debt validation letter on XX/XX/2021 for this company to validate my debt. And they failed to validate my debt. Instead they sent a copy of my medical records/procedure. Which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form allowing them access to my medical information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Money transfer, virtual currency, or money service

PayPal limit my access temporarily account for no reason and will not help me with getting it back up and going. I have provided them my identification as well. They are asking me to provide credit card statement even though I havent linked any credit card on my account. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 9 accounts on the XXXX  App to have nine EdFinancial and would like them to be removed from my credit report. All accounts are closed and effecting my credit score negatively.
Product: Mortgage

Our mortgage is through Flagstar. We requested and were granted a Covid 19 forbearance in XX/XX/XXXX. Since XXXX of XXXX, we have been trying persistently to restart our payments. Flagstar has been nearly impossible to work with. We can never get a clear answer. Recently we were denied relief, with no explanation, and asked to pay upwards of {$100000.00}. We appealed the decision. However, we still have gotten no answers from Flagstar. It has become impossible to get into contact with any one who can explain to us their decision making or how we can work with them to restart our payments. The entire process has been extremely anxiety inducing. We are worried that we will be foreclosed upon once the appeal period is over.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan. I was denied because of personal credit. Violation of 15 usc 1602 my right to credit. Violation of 15 usc 1611 faults and misleading denial of my own credit. It is ILLEGAL to be denied credit, if you are denied credit it is an adverse action. And it is unlawful for any creditor to discriminate against ANY applicant. PURSUANT TO 15 USC 1691.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to investigate any items that resulted due to Identity Theft. Please find the required documents to assist in the investigation of the erroneous information which is being posted to my report.

According to FCRA Section 605B ( a ), Equifax shall investigate any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. 
Please investigate this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XX/XX/2022.
Product: Credit card

Credit card bill was due on XX/XX/2023. The bill was paid on XX/XX/2023 with a debit card which means funds were removed from account immediately. The payment was done way before XXXX. The capital one rep told me they get to charge late fees if the bill is not paid by XXXX. She was rude to me and told me learn to pay my bill before XXXX.
Product: Payday loan, title loan, or personal loan

We were effected by XXXX XXXX and my wife was laid off. We called several creditors to get payments deferred. When we called Westlake Financial they said they would submit the request and we would get a reponse in writing. When we got the letter it said we were approved for one months deferment for XX/XX/XXXX. However, the letter said we would be assessed additional interest and a balloon payment at the end of the contract in XXXX. When we called XX/XX/XXXX and got Rep XXXX and asked what does this mean. He explained the unpaid balance will accrue interest of {$7.00} a day until the end of the contract in XX/XX/XXXX. I was furious I did the short math and saw that balloon payment would be approximately {$2500.00} a year for 4 years which is well over an additional {$10000.00}!!! Our original loan was only {$11000.00} and explained we wanted this deferment request cancelled as this is a rip off and can not be legal. The rep XXXX response was sorry it's already been approved it can't be reversed. I explained to him they can not take advantage of people like this and charge more for asking for a deferment. I also explained I would be having this aired on the local news and complaints filed with yourself, the Attorney General and the XXXX of their county.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of a year I have been unsuccessful even with valid documents getting the credit reporting agencies to block and remove fraudulent accounts as identity in USCS 15 1681C-2. Equifax does not abide by the FCRA Laws and are mis representing the laws as well as disregarding the Laws in removing fraudulent accounts, EQUIFAX AND XXXX ARE USING THERE POLICY 'S AND PROCEDURE INSTEAD OF What's In THE LAWS STATES, I FILED SEVERAL COMPLAINS, WITH XXXX, EQUIFAX NAMELY TO Block THESE FRAUD ACCOUNTS BUT WAS TOLD THAT MY POLICE REPORT AND IDENTITY THEFT AFFIDAVIT IS NOT VAILD AND I WAS REJECTED AID AND ASSISTANT BY BOTH REPORT AGENCIES. I ask that XXXX AND EQUIFAX HAVE Stiff FINES AND PENALTIES Imposed AS IDENTITY BY THE FCRA LAWS I HAVE ATTACHED ALL EXHIBITS TO THIS COMPLAIN TO REFLECT THE SAME IT A XXXX XXXX THAT I HAVE TO GO THROUGH THIS WHEN ITS CLEARLY STATED BY LAWS PLEASE THAT I ASK THAT XXXX AND EQUIFAX BE FINED INDEFINITELY PLEASE. Also tl not the only customer that's been done this way I'm not going for it at all.