23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to submit a XXXX XXXX to Repayment application regarding the federal student loans I obtained to finance my education at the XXXX XXXX, a subsidiary of the now-defunct XXXX XXXX XXXX XXXX XXXX I enrolled at the XXXX XXXX in XXXX  with the expectation that I would receive a quality education and that the programs offered would lead to meaningful employment opportunities upon graduation. However, my experience at the XXXX XXXX was marred by deceptive practices that misled me and other students about the true value of the education we were receiving. The XXXX XXXX engaged in deceptive practices, including but not limited to : Inflating Job Placement Rates : The XXXX XXXX misrepresented its job placement rates, leading students to believe that a higher percentage of graduates secured employment in their field of study than was actually the case. These inflated statistics were a significant factor in my decision to enroll in the program. Misrepresenting XXXX XXXX : The XXXX XXXX misrepresented the value of its programs by exaggerating the skills and knowledge students would acquire and the earning potential upon graduation. These misrepresentations induced me to take on significant student loan debt to finance my education. In my final year, they advised they had a new loan product, the signature private student loan ( formerly through XXXX XXXX ) which would allow me to complete the remainder of my classes and graduate on time based on their initial trajectory. As a result of the XXXX XXXX 's deceptive practices, I have incurred substantial financial hardship, and the education I received has not provided the promised benefits. I am now struggling to repay my student loans while not even being able to land a job in my field of study that could even support the payback amounts. I along with over XXXX other students have been defrauded by this institution that is no longer in existence and will not accept anything less than a full refund for the amount of these loans. I was just recently denied by Navient for my XXXX private loans get clarification from Navient with a vague blanket response that appeared was sent to hundreds if not thousands of applicants as to EXACTLY WHY we were denied this discharge.
Product: Credit reporting or other personal consumer reports

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. Two payments were made the month XX/XX/year>. One on XX/XX/year> and the other on XX/XX/year> for the entire balance. However payment, didnt post to my credit card until XX/XX/year>, causing the 30 day late. Please see attached highlighted payment history. from my bank transaction list. 

In addition this matter caused my limit to be dramatically reduced from {$4500.00} to {$500.00}. The low limit results in me rarely using this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason purpose.
Product: Credit reporting or other personal consumer reports

My credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts. As a victim of identity theft, my personal information was used fraudulently, and now I see accounts on my credit report that I have no connection to. Following the major credit bureaus ' guidance, I filed an FTC Identity Theft Report and submitted it, along with all necessary documentation. Despite these efforts, these fraudulent items remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX, XXXX # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXDisputed before yet still remains XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains
Product: Mortgage

J.P. Morgan Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and their Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued The Reinstatement for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. J.P. Morgan Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX and XXXX are not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program. XXXX denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submited loan modification many times and XXXX continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by XXXX and XXXX. J.P. Morgan Mortgage XXXX XXXX denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home. Their Single point of Contact ( SPOC ) is not working or they have many 300 files so they ca n't not have time to talk to customer nicely or respectfully for all the detail the borrower ask for. Today XXXX XXXX my XXXX told my representative XXXX that do not call him anymore and I am not a customer for service because I am in default, he complaint that my loan have late history, he can not keep talk to XXXX because he have to work on his other file. 
I request another XXXX because XXXX XXXX is so busy with his more than 300 files. On XXXX XXXX, XXXX, we talk to XXXX XXXX, her extention is XXXX she told us that the Private investor is XXXX XXXX XXXX, XXXX from XXXX XXXX. XXXX but your respond XXXX XXXX, XXXX you indicate J.P. Morgan Mortgage XXXX XXXX XXXX the current owner of the Note. I need to know how many investor, owner of the note?? J.P. Morgan Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not continue give me the run around and continue lie to me. 
Take a look at all their fee and cost, the answer to all complaint just bla, bla, bla ... they do not answer direct questions, just throw all the number and want the borrower pay for their nonsense fee. Please breakdown for all your fee and cost, when you charge and why you charge, I need all invoices and bill and cancel checks you pay for these fee and cost. 
A lot of your nonsense fee need to void because you over charge and I do not have to pay for your attorney fee when I bring you to court or when I was in bankruptcy You violate the Senate BilXXXX No. 900 in many ways. You charge a lot of fee and cost when I applied for the loan modification.
Product: Credit card

On XX/XX/23 I requested a refund of {$13000.00}- which was a return of my money that was paid for a Cruise. I owe them NO MONEY ... they owe me {$13000.00}. I believe this is usury, I would like to but my money in a place that makes money not let them make money off my money. PLEASE HELP ME GET MY MONEY BACK IN A TIMELY TIME FRAME. Todday in conversation with XXXX and BofA she said it would be at lease XXXX more weeks before they would send a check. I also had a refund witrh my XXXX XXXX XXXX for the exact same reason. I canceled a Cruise and they refunded my money directly to my bank in XXXX business days.
Product: Credit reporting or other personal consumer reports

When applying for a credit card or trying to finance furniture my XXXX score always comes back and show me You have a serious delinquency or derogatory indicator, public record and/or collection on your credit report. 
The presence of a serious delinquency or derogatory indicator and a derogatory public record ( such as a bankruptcy ) or collection is a powerful predictor of future payment risk. 
However, newer versions of the score including XXXX Score XXXX, XXXX Score XXXX, and XXXX XXXX XXXXXXXX XXXX only consider unpaid collections. Most collections, public records and delinquencies stay on the report for no more than seven years - though there are certain items that could remain longer. As these items age, they may have less impact on the XXXX  Score. Satisfying the public record or paying off the collection will not remove the item from a credit report. And it will still be considered by a XXXX Score as long as it is reported. 
THIS IS FALSE because on XXXX XXXX XXXX Report Date : XX/XX/year> This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, XXXX. 
They can be contacted at : XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. 
XXXX  stay on your credit report for up to 10 years, depending on the chapter of XXXX  you file for. They generally have a negative impact on your credit score. 
You currently have no XXXX  on your credit file. 
It you recently had a XXXX, it could take a couple months to populate to your credit I THINK THIS IS because of MY NAME I believe this has something to do with XXXX  I am XXXX XXXX generation XXXX and all I want is to be able to buy a home for my family, I have been renting since I was XXXX XXXX XXXX and have paid XXXXXXXX XXXX XXXX All I want is the opportunity to get a line of credit that will help me increase my credit And buy a home
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my report that is fraud & I have requested to have this removed without any success. This request was not made by me & again I am asking for this to be removed.
Product: Checking or savings account

I am deeply concerned about the Federal Data Breach caused by the new Dept of Government Efficiency. The federal treasury database having been accessed by unauthorized, non-secure non-federal employees Represents a major breach in security and puts my personal banking information at risk. My bank. 
U s a a has not told me how they are protecting my banking information from the risk.
Product: Debt collection

I tried to work with XXXX  XXXX XXXX when I lost my job and took a huge pay cut into a next employment opportunity. They didnt work with me claiming hardship. I always paid my bills ontime every month, that is in my character. I bought my own condo by age XXXX because - facts - I paid my bills and had a good credit score. I had to reach out to Credit Associates for help in settling debts and payment plans that I could work with. They settled with XXXX XXXX XXXX. Suttle and Hammer did not try to contact me, nor resolve this. They went straight to court, filing a law suit. I thought this was still being taken care of since my account was closed by XX/XX/2022 with Credit Associates. Suttle and Hammer! wiped out my bank accounts, which i just got paid for. That was my rent, my food, and gas. I already have XXXX so I am on a strict diet that I now could not provide for. I sent the courts to reopen my cases since I did not know about them, had to XXXX the attorney. My papers were mailed to the wrong address/company by the time I received papers from Suttle and HammeXXXX. Also, putting my into an agreement i was not emotionally sound on doing, after they wiped out my accounts. I did not budget for this because it was supposed to be closed. Not only did this affect my life, but for XXXX years i couldnt get a car loan ( which affects my job to society, a major question employers ask is do you have reliable transportation, i had to say no on many occasions. This now affected a group of my friends who had to help me ). This company used intimidation tactics and cruel affecting my life, my rent, my mental emotional and physical health. I have no evidence of this place ever contacting me or trying to resolve this except their aggression to ruin my life. I was labeled as a person who doesnt pay their debts!!!
Product: Mortgage

It has come to my attention that Nationstar Mortgage will duck and dodge additional principal payments. 
I have made additional payments towards principal which were auto canceled without any notification. My account is in good standing and I have never been late. I have screen shots of the payment confirmation and I can prove the payment was not deducted from my checking account.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I was selling concert tickets and this man offered to buy them. We agreed on using the Zelle app thru our banks. I received an email from a fake Zelle account that he created asking me to pay the {$300.00} fee b/c I didn't have a business account and it was for security reasons. And that I would be reimbursed for the amount of the tickets plus {$300.00}. He had me send it to a " Zelle '' agent at XXXX. The " agents '' name was XXXX XXXX. I did this before realizing that I was being scammed. He then sent me another e mail from the fake Zelle account telling me I had to pay a {$500.00} certificate fee. I didn't and reached out to my bank. They had me delete him from my Zelle and change my password. He is still trying today to get me to send the {$500.00} via XXXX XXXX and fake e mails to the same phone number associated with his real Zelle account.
Product: Vehicle loan or lease

The company lied in their statement my vehicle had engine failure that was never fixed XXXX  XXXX will tell you that now credit acceptance is sitting on my credit stating that I owe them XXXX for a vehicle that they sold with a bad engine I didn't even drive the car for 6 months I'm sitting here with paperwork that they'll settle with me for {$2000.00} that's the amount I put down to get the car off the lot because I requested my money back or to be put in another vehicle with the same contract. At this time I want credit acceptance removed I'm on XXXX I need transportation and I feel like they totally took advantage of my situation. And currently they're the reason that I can't get a vehicle loan. I applied for a loan they told the new car dealership they'll give me a loan if I put {$8000.00} down I want them off my credit.
Product: Vehicle loan or lease

I brought a car from the dealership XX/XX/2021. the price was {$21000.00} taxes and fees I put down {$5000.00}. I pay my car note on time, it is taken out automatically every month since I brought the vehicle. I called the loan place just to check and see how much more I have left to pay before I own the vehicle after and the price was still {$20000.00}. I'am looking over my paperwork and the prices are totally outrageous. I'm XXXX XXXX XXXX and I feel like the dealership got over on me. I need help with this situation. The dealership is XXXX XXXX XXXX XXXX and the loan company is Ally auto loan.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZES INQUIRY -XXXX XXXX XXXX XXXX
Product: Checking or savings account

PNC is not allowing me to link my account to apply for a covid19 grant
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been a while since I sent my disputes to the bureaus. I sent a dispute to Transunion, XXXX, and XXXX and still have not received a response. I believe my disputes were sent XXXX and today is XXXX still with no response. It has been almost 2 months and it's very hard for me to obtain new credit and these inaccuracies on my consumer report are defaming my character. The consumer reporting agencies are in violation of the FCRA. 15 USC 1681i states these agencies must do an investigation within 30 days. I still haven't gotten any results of my investigation. This information should be promptly deleted from my credit file as a result of non-compliance pursuant 15 USC 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX 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

I have complained about XXXX XXXX in regards to a XXXX XXXXXXXX XXXX across Sport vehicle. Ive sent multiples complaints to XXXX, XXXX XXXX TransUnion. This particular account still exists and shows Im responsible. This account was supposed to be removed from my file months ago and the credit bureaus did nothing. It took more than the 30 day time limit to correct the issue and they ( credit bureaus ) have done nothing. I feel like Im being discriminated against based on the color of my skin. XXXX XXXX. They refused to help in this situation. The Company already expressed fault in this matter. All I need the credit bureaus is to delete incorrect inaccurate information from my credit file. Its the law and they continue to break it. Im not sure whom to trust but Im tired of filing complaints after complete. I will keep doing this until Im heard. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested a dispute ( File Identification Number : XXXX ) on XX/XX/2023 for XXXX incorrect phone numbers on my credit report to be removed. I got the investigation results on XX/XX/2023 and nothing changed. I went to check my credit report today, XX/XX/2023 and those numbers are still there.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 the XXXX XXXX sent {$2000.00} to XXXX Bank in my name ( COVID relief fund ). On XX/XX/2021 I intiated a bank transfer from XXXX XXXX to my checking account in PNC Bank. Unfortunately, I entered an incorrect PNC Bank checking account number. After about a week when the {$2000.00} transfer never hit my checking account I started following up with XXXX XXXX. I corrected the checking account number on the XXXX XXXX record. Their escalation team indicated their records showed the transfer was initiated to PNC Bank. I checked with PNC Bank escalation team. They had no record of the transfer reaching PNC Bank. Both XXXX XXXX and PNC Bank escaltion teams asked me to check with the XXXX XXXX.XXXX XXXX XXXX escalation team indicated their record shows the money being " deposited '' on XX/XX/2021. I have had several conversations with the escalation teams from the XXXX XXXX, XXXX XXXX and PNC Bank. None can " find '' my {$2000.00} and credit my account.