23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  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 XXXX 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 XXXX students across campuses in XXXX 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.

3. 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 American 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 called E

arly Warning Services to opt out of reporting of any personal information and they rejected my verbal and written request.

I requested that they tell me who gave them authorization to furnish data and publish it against my knowledge and they said XXXX  XXXX XXXX did but i did not give XXXX  XXXX XXXX permission to do so. 
If Early Warnings Services states that they were given permission by XXXX XXXX XXXXXXXX to publish my information I demand they prove it. XXXX XXXX XXXXXXXX discloses that they do not disclose my information to non affiliates. So how did the XXXX XXXX XXXXXXXX give you permission if I XXXX XXXX XXXX did not give XXXX XXXX XXXXXXXX the permission to give XXXX XXXX XXXX my information. 

XXXX  XXXX XXXX and EARLY WARNING SERVICES have violated 15 U.S. Codes.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 6804 - Rulemaking 15 U.S. Code 6805 - Enforcement XXXX XXXX XXXX has violated their terms with me because they state that they will not report or share any of my personal of information ( which I opted out of ), to non affiliates. Although XXXX  XXXX XXXX, XXXX XXXX, XXXX, and XXXX own Early Warnings Services they are also only investors. Being the case they are still considered non affiliates.

Early Warning Services consumer report that is included in pdf will be my proof of claim that they have my private information without my permission.

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. 
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting or other personal consumer reports

Attention to XXXX and Experian : I am writing to inform you that XXXX XXXX - Account # : XXXX, which your esteemed organization consistently reports on my credit profile, has been eliminated from other credit bureaus as of XX/XX/year>. Adhering to the principle of alignment among reporting agencies, I strongly request that you match this adjustment and consequently remove the derogatory item from my credit report. 
Since you are sharing information solely with one creditor, coherent consistency across platforms becomes extremely important. Eradicating redundancy leads to uniformity, resulting in a transparent reflection of borrower behavior. 
On another note, I have detected a newly surfaced collection account in my credit history. I am entirely unfamiliar with the subject, holding no responsibilities towards the reported debt charges. It's not clear where these accusations are coming from, I'm asking you nicely to get rid of them right away. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Accurate recording and retrieval of financial transactions are crucial for building trust among stakeholders. Making sure everything works smoothly together boosts credibility, making the credit system run well and fair. 

Thank you for looking into this quickly and hope to hear back soon from your organization with positive results. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

We use XXXX for processing our business transactions. 

Our case with XXXX is CASE # XXXX Our XXXX account was breached on XXXX occasions from XXXX through XXXX - in the amount of {$35000.00}. By the time Square told us - funds were gone. 

XXXX blamed us for not implementing the XXXX step verification, a system of which they turned off and subsequently turned back on after this occurrence. 

My wife and I traveled during the holiday. When we returned we immediately contacted Square. Nobody helped us - nobody investigated - nobody at XXXX did anything. Only sorry - {$35000.00} is gone. 

1 ) is XXXX insured for this? 
2 ) is XXXX going after these funds and then keeping them without my consent XXXX ) they were transferred to XXXX XXXX accounts - did XXXX tell XXXX None of the above were allowed to be discussed with XXXX - only sorry there is nobody to take this up with. 

This is not right. We had to file today against Square with XXXX, IC3.gov, Identitytheft.gov and will be meeting with our legal counsel next week - all based on Squares horrible decision and them doing nothing.
Product: Mortgage

I've had two loans through XXXX XXXX, and was recently informed that Flagstar bank was taking over these loans and the servicing. It is now XX/XX/XXXX, and my payment is normally deducted at the beginning of the month. I had assumed this would be an automatic process / transition. I have reached out to customer service but yet to hear back. I would like to ensure that I do not get charged any late fees or have my credit rating tarnished because of the incompetence of the new loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is in reference to Transunion Credit Reporting agency, regarding fraudulent accounts remaining on my credit file. After contacting, the original creditor and consumer credit reporting agency. I was told by Transunion Fraud department to file a FTC identity theft report Affidavit in order to have the fraudulent accounts blocked and deleted from my credit file. I sent Transunion the required documents via certified mail on XX/XX/2020. However, the following accounts still remain on my credit file. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX open XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX # XXXX ... XXXX XXXX # XXXXI was told by Transunion according to federal law Fair Credit Reporting Act. That the items contain in the theft report will be blocked/deleted seven days prior to receiving the theft report. It has been well over 30 days since I sent Transunion the required document. It is a awful how the credit bureaus handle fraud victims. I feel treated as a suspect instead instead of a victim. Please assist in resolving this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Debt collection

Im not liable for this debt with XXXX XXXX XXXXI do not have a contract with Jefferson Capital System.They did not provide me with the original contract as I requested
Product: Debt collection

Portfolio Recovery is been calling twice daily for the past 4 years from different phone numbers, I have to blocked them. Tired of them for a Bill that someone stole an XXXX account and used and it was not me. I told them and they put it in my credit
Product: Credit reporting

On XXXX XXXX, 2016 I reached out to Transunion because my local credit union ( XXXX ) had informed me that there was a statement on my credit report that says, " INPUT SSN REPORTED AS SUSPICIOUS OR MINOR SSN '' ( on page XXXX of XXXX ). I was told by Transition that I need to send in my birth certificate, a copy of my ss card, and an explanation of my issue. I do so and I followed up as instructed, 3-5 business days so on XXXX, XXXX, XXXX ( 3 phone calls that day ), XXXX, and XXXX. As of today I am still getting the run around that my file or case is being handled by a dept or someone beyond their ( the rep that I am conversation with ) control. I have been told that my file had to be sent over to a manager/supervisor for resolution. Today I fear that my mortgage loan is in jeopardy because of the nonchalant attitude towards my situation. Each time that I contact Transunion, I explained to them the urgency of my situation. As of today, the hawk alert is still sitting on my credit report and NO ONE has reached out to me nor have I received any mailings to reflect a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about an account which reports from Citi, It is reporting different data for each bureau. I tried pointing out the issue to XXXX, XXXX  and XXXX  I have fallen on XXXX  XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.
Product: Debt collection

This is Identity Theft case. I didnt use this Discover card for years. I do not aware of this dispute until XX/XX/2018 after I received all letters of the delinquency of my credit cards. My record now is clear after disputing to XXXX back in XX/XX/2018. Except Discover card is back and force to send the same information to me. And forwarded to XXXX & XXXX for further question, I did send addition documents such as XXXX form, Utility Gas bill & my Driver license. Discover again sent me a letter which ignore what my additional documents, but just insisted the card is belong to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is killing me. I have been trying to work on my credit to purchase a home and Equifax keeps doing investigations on files that aren't mine and verifying them. After this complaint, I am filing a lawsuit as well. I had to make this complaint first. If they don't take these errors off my report we are going to court. I am getting seriously hurt trying to purchase a property. 
Also, I have had an experience with a Credit Repair Agency through all of this. XXXX XXXX has been paid exorbitant fees of over {$3000.00} and is still trying to debt collect from me. They are relentless in trying to hurt me as well. 
Can You Help Me Please?
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Credit card

In accordance with The Fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, States I have the right to privacy. 15 USC section 604a section 2 it also States that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed ownership of this account over 30 days ago, and this is not my account. The reporting agency stated that because the company says its valid, ; thats it!! Im not satisfied with that answer, and frankly thats not an investigation
Product: Debt collection

I received a debt collection letter dated XX/XX/2022 from Ascendium stating that I was delinquent on my XXXX student loan. I checked all my loans on studentaid.gov and I am not delinquent on any of the loans. I called ascendium to ask for verification of the debt. The letter itself includes a debt collection notice that states in part " if you tell us you dispute some or all of your balance within 30 days of receiving this letter, we will send you information verifying a portion you dispute. '' However, the agent I spoke to claimed that ascendium can not verify this debt, and that despite receiving a debt collection letter from ascendium I have to verify my debt with XXXX. However, I have not received a letter from XXXX and only have an ascendium reference number. Instead of agreeing to send me verification of the debt as the letter states they would, the agent also tried to shuffle me towards programs to get caught up on my loan, which is not my issue here. I felt pressured to enter a repayment program for a debt that I can not verify, even after I explicitly asked the agent to send verification of the debt.
Product: Credit card

I am a little late on paying my bill and they won't stop calling me. They have called me 5 times since XXXX. It's now XXXX XXXX XXXX. 

Phone calls date and time XX/XX/24 - XXXX XX/XX/24 - XXXX XX/XX/24 - XXXX XX/XX/24 - XXXX XX/XX/24 - XXXX this is harassment and it needs to stop. I have every intention of paying my bill. I am only 9 days late.
Product: Checking or savings account

on XX/XX/19 at XXXX my wallet was stolen from my purse at an after hour spot by who me and friends had to share a section with. According to witnesses XXXX friends ) a week later due to me being in intoxicated he followed me to the ATM ( i did not know he was behind me whole time ) he watched me put my pin code in and Then at some point plotted to steal my wallet with my chase debit card and was successful. At that time my friends didnt think nothing of it since they said they thought he was going to get a bottle as well. He took my wallet out of my purse without my knowledge i called chase as soon as i noticed my wallet and phone missing and an alert that said my account was low {$19.00} he took out almost XXXX XXXX to be exact at different ATMs including my own banks atm he also made {$1000.00} cash back at XXXX. Chase took my statement to file a claim. Chase then denies my XXXX claim first then told me the Reversal would be back on my card in XXXX hours then they said by the XXXX so it came back on my card on the XXXX. On the XXXX my claim got denied for XXXX total and that when i called crying saying what else do i need to do the prove this is wasnt me they said go get a police report so i got that then they said they need more poof so chase told me which XXXX he pulled money from and i went and the security at XXXX showed me a picture of the guy who used my card and it was the guy i was setting next to at the club and who followed me to the atm wearing the same XXXX hoodie. Chase then says they want a written statement from XXXX Im dude i was a picture!!! So i went back to XXXX to ask them what do i need to do to get a statement from them they said they need a police officer there to do that so i called one a sheriff came XXXX mins later but he told me since i file a police report with XXXX i would need XXXX to come then i called XXXX again to send a police XXXX not sheriff they said they not coming and that chase is doing to much a police report should work and Im like omg it wont apparently!!! So after XXXX hours of dealing with this i went to the bank right after and told me what happened at XXXX the guy called chase and said they will reconsider my claim and to wait but they took the money back so here i am now. I want to close my account this chase. If it was me who took my own money who would i file a whole police report on myself and waste everyones time because they could easily find out who did this in which they did i have proof!!!!! At this point chase just doesnt want to pay me the money that was taken from me even though its no ones fault but still i didnt tell this guy to follow me Im only XXXX and hes XXXX he can stand over me and see my pin code. I just want my money back i saved that money and i thought i could trust my bank which is why i put the money in my bank instead of leaving it in my shoe box i regret that so much!
Product: Debt collection

XX/XX/XXXX, Rauch Sturm Re cause no. XXXX XXXX XXXX   XXXX, XXXX  XXXX  They call my job every single day for my wifes old debt of XXXX from XXXX! 

They also have stated they want to take my wages and property. They have demanded I give them an inventory list of my personal property and wages so they can have them. 

They have demanded I give them my bank account information and details about my home. They even want know how many family pets I have, paintings, tools, and kitchen appliances. 

They also have demanded to know my salary, the name of my boss, and when my pay day is. They have made it appear that I will go to jail if I do not give them this information.
Product: Mortgage

I had a Loan modification XX/XX/2010. I filed Chapter XXXX XX/XX/2010. At the time of filing Chapter XXXX I was only XXXX months behind. My lawyer fail to do there job and listen to me when I kept telling them I had a loan modification a few months pirio. Once we got to the the last fews months in my chapter XXXX I told then again that I had a loan modification. So they finally looked into it. MY lawyer and SPS lawyer looked into this and see that I did have a loan modification the same year. The money that was paid into the chapter XXXX to was not the amount I was behind at the time. I paid them a total of XXXX. My mortgage company have not credit the amount to my loan so I can pay the reminder and get my loan current. I This have been a problem that has been going on for a few months. 
This my XXXX time submitting a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last month to Vance & Huffman LLC regarding a collection account that is reporting on my credit report. The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company Vance and Huffman a right to ignore my requests. I sent a letter XXXX  asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also wasn't provided with a license in the state of TX permitting them to collect any debt from me. I also asked for validation but was not provided that information. There are many FDCPA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.
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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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.