23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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  has XXXX 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 XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, 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: Debt collection

Jefferson capital purchased my XXXX bill in XXXX  Every year they remove it for a couple of months and then report it again as a new debt. They are illegally re-aging my account so that it will not fall off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to both Transunion and XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been 57 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Debt collection

In the past I have paid medical collection bills with other agencies and they immediately remove the collection from my account on their next reporting cycle. Today I spoke with Advanced Collection Bureau in XXXX, FL about a {$710.00} collection they have on my credit report. I asked them if I paid it would they in return completely remove the item from my credit as others have done in the past. ( Keep in mind that I know it is at their discretion to leave the item on my report and just report it as paid. ) The lady at first insinuated that if i paid the XXXX that she could completely remove the item. She then said, wait you have 3 other accounts. Two of the accounts totaling < {$40.00} combined are from XXXX, no problem. The final account is for 300+ from XXXX. That's a problem because not only could she not be clear on the original owner of the account ; she eventually said it was lab results or testing of some sort, I don't recall having any medical events 12yrs ago in XXXX of XXXX. Once she discovered and disclosed these additional 3 old accounts to me she said the only way I could have the {$710.00} collection that currently shows on my credit completely removed is if i pay the full amount of XXXX   dollars equivalent to all the accounts, old and new. As i mentioned before i'm aware they can completely remove or mark the collection as paid and leave it on my report. I was not aware that they had the power to extort me over a 12 yr debt that i had no idea about. It's my understanding that each of these accounts should stand on their own. A twelve yr old account that I know nothing about should not have any bearing on how they choose to report a 4 month old paid account on my credit. To extort me over a 12yr old account is unethical. The lady was not concerned in the least when I told her i was filing a complaint with your office. Nevertheless I paid the {$710.00} balance in full for the one item that can actually legally show on my credit report. I would like someone to reach out to me as well as Advanced Collection Bureau in XXXX and let us both know if this is a fair practice. I've never received a single piece of mail concerning any of the accounts I supposedly have at Advanced Collection Bureau
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Navy Federal and XXXX XXXX  submitted a Hard Inquiry after canceling the morgage quote because lender would not approve morgage on these types of properties explicetly. and the lender refused to lend in the area requested by choice not by technicallity. Other lenders did not require hard inquiries to offer lending quotes and where able to complete the application process for loan approvals based on soft inquiries alone.
Product: Credit card

On XXXX XXXX, 2016, I purchased a smart XXXX Watch XXXX XXXX XXXX at XXXX XXXX for {$290.00} ( excluding tax ) using my Discover XXXX credit card. I found a lower price on XXXX XXXX, 2016 for the same exact item on XXXX for {$220.00} ( excluding tax ). On XXXX XXXX, 2016, I submitted a claim for Discover 's Price Protection, a program which reimburses you for items purchased with your Discover credit card if you find a lower price for the item within 90 days. The claim was for {$71.00} ( the difference between the price I bought the item for and the price I found a few days later for the same item ). When I filled the claim, the claim representative indicated that watches are excluded per the terms and conditions. I read the terms and no where did it state that watches were excluded. The representative claimed that watches are considered jewelry, which is excluded in the terms and conditions. I asked the representative if you can turn on and off jewelry items as my claim was for a smart watch that can be turned on and off. She agreed that you can not turn on and off jewelry items, and then gave me a claim number ( XXXX ) to submit the proper documentation. I called to check the status of the claim and was told it was denied since it was a watch. I spoke with a women in the President 's Office of the claim administrator and they indicated that Discover gave them directions to exclude any item that even included the word " watch '' in the product name. I explained that the XXXX Watch is a smart watch that is not sold in jewelry stores or in the jewelry department. Moreover, I explained that the XXXX Watch is essentially a mini computer that you wear on your wrist, that can make and send text messages, calls, and even check the current weather ; I explained that the XXXX watch is an electronic and not a jewelry item. She indicated that this is not the first time that a smart watch has been denied and it is under the direction of Discover. I called Discover prior to this conversation with the Claim Administrator, and the Discover customer service agent filed a inquiry regarding this subject matter and said the executive office may or may not contact me back. Discover never contacted me back. My claim was denied because Discover is claiming this is a jewelry item even though the claim administrator representative on XXXX agreed that jewelry can not be turned on and off and thus agreed that the XXXX Watch was not a jewelry item.
Product: Credit card or prepaid card

I've had a great relationship, or so I thought with Discover. They decreased my credit limit!! I've even paid this account off numerous times, and this is the thanks i get!!! They're practically stalking me via my financial information, and I always make WELL above the minimum payment!!!!!!!!!!!! In this midst of this pandemic, this is unacceptable.I 've had lower credit scores and high balances, and now they're doing this to me!!!!!!
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$47000.00}
Product: Debt collection

XXXX XXXX {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Debt collection

Jefferson capital systems is a Collection agency who has been removed from my credit report effective XX/XX/year>. Please update my credit report across all credit reporting agencies XXXX  XXXX and XXXX  and any other party 's reporting this ifo!
Product: Mortgage

XXXX XXXX XXXX XXXX Va XXXX Dob XXXX/XXXX/XXXX SS # XXXX XXXX has agreed to remove the unauthorized inquiry from my XXXX credit profile franklin America XXXX/XXXX/XXXX YOU Have MY ID Attached so do n't play that game of we do n't have your id on file you also have my utility bill you have my drivers license attached
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00}
Product: Payday loan, title loan, personal loan, or advance loan

I was charged a {$29.00} late fee by XXXX XXXX for statement from XX/XX/year> to XX/XX/year>. The {$29.00} late fee charge was posted XX/XX/year>. This {$29.00} late fee charge is unreasonable and a scam because XXXX XXXX was doing an upgrade/maintenance where I was unable to log into my account that weekend from XX/XX/year> to XX/XX/year>. I tried paying through their automated phone system, but it kept prompting there was an error and to try back again. Finally, I was able to get through the automated phone system on XX/XX/year> and pay. However, I was already late because my due date was on XX/XX/year>. I tried calling their customer service line on XX/XX/year> and XX/XX/year>, both times I waited on the phone for over an XXXX XXXX XXXX minutes without answer or an option for them to call me back. I should not be charged a late fee when the company failed to provide adequate, reliable means for customers to pay their bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I notified the three credit reporting agencies ( XXXX, XXXX, and Transunion ) of a number of issues in the reporting of this alleged account with XXXX, that is the only derogatory account on my credit, that run counter to the stated purpose of the FCRA, specifically with regards to the requirement that reported data must be accurate and complete. The alleged account is still appearing on my credit after my inquiry to the three agencies, without most of these issues and discrepancies being resolved and so I write this complaint to the CFPB, hoping for a resolution with this account. 

The Date of Last Payment is not consistent across the credit reporting agencies. Transunion has it listed as XX/XX/XXXX, whereas XXXX has the reporting of that date as being XX/XX/XXXX. Transunion and XXXX have that last payment listed as {$0.00}, which is an odd payment amount for a last payment, and for it being {$0.00}, when Transunion has this account listed as OK for XXXX AND for XXXX in XXXX. XXXX has the account being in a status $ XXXX in available credit. Ive never even heard of a negative number for available credit. And if the account is a CLOSED account, as this is supposed to be, then surely this must be {$0.00} in available credit, not $ XXXX! 
XXXX has the terms listed as N/A, I assume Not Applicable, but on Transunion and XXXX they are listed as Paid Monthly. 
The account numbers have different listings among the three credit reporting agencies. XXXX and Transunion have the number as XXXX, while XXXX has it listed as XXXX XXXX, further inconsistencies. Which number is supposed to be correct? 
There is data missing in the reporting of the account as well, whereas the FCRA allows for the completeness of the data, Transunion shows missing data for almost the whole year of XXXX and XX/XX/XXXX. XXXX has almost the same, with the majority of XXXX data missing. 

Also, if this account listed is even legitimate, XXXX violated the law, never sending me notice of the account being in a derogatory status as per 15 USC 1681s-2a7Ai, the furnisher requirement to provide notice of listing the derogatory account within 30 days of placing that information in their credit file. They never did so. I never received any such notice. 
All three credit reporting agencies have the alleged account listed in the comments as Account closed at Customers Request. Since I am the listed customer that comment would indicate that I took action that I didnt. There is no letter, email or any communication from me making such a request to XXXX. This goes against the FCRAs requirement of factual reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score says its a lot lower than what it is and it concerns me because I really been working on my credit thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. 

XXXX XXXX. XXXX Section XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Writing in regard to how Zelle handles disputes. There have been times where funds have been delayed well past the anticipated clearing date with no valid reasoning. There have also been times where funds have been unauthorized. Seems very easy to exploit and run fraud through Zelle and nothing changes. As someone that used to work at a bank, countless of people are been a victim to fraud through Zelle.
Product: Credit card

THIS DEBT WAS CHARGED OFF BUT FOR WHICH I HAVE NOT RECEIVED A FORM 1099-C ( CANCELLATION OF DEPT ). AS PER IRS REGULATIONS, I UNDERSTAND THAT CREDITORS ARE REQUIRED TO ISSUE A FORM 1099-C WHEN A DEBT OF {$600.00} OR MORE IS CANCELED, FORGIVEN, OR DISCHARGED. THE AMOUNT IS {$1200.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : - 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club,  etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Product: Checking or savings account

My debit card was stolen and my bank account was completely drained down to 50 cents. I contacted my bank for help because that is what they are suppose to do and I filed a dispute, After being promised a temporary credit to my account with in two business days I called back because I received nothing then I was told I would get it for sure in 10 business days and definitely before XXXX. Then I get a update that my claim was denied for no reason and I wont be getting a credit to my account as promised, this is a fraud claim and my money was stolen from me this is not right.