23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am being sued by National Collegiate Student Loan Trust for {$49000.00} in student loans. 
I feel I am being harassed, bullied, and treated unfairly! ... 
I got an education, I have never been in any trouble in my life in any way, and I have done everything right and all I got out of it is an inability to find a meaningful, livable wage job! 
I have no work, no possessions ( no car, no property, hardly anything in an account ), I abhorrently live at home with my parents and since XXXX I have applied to OVER XXXX jobs AND I CAN PROVE IT!! ... On top of all that, I have now been SUMMONED by National Collegiate Student Loan Trust to appear in court for a civil law suite in an amount that is absolutely ridiculous and obscene! ... 

Despite my repeated efforts in reaching out for help to find employment from different colleges ( as well as unemployment agencies, job banks, temp agencies, etc ... - YOU NAME IT! ) NONE of the colleges ( or ANY of the other places ) I have reached out for help from have ever been helpful in any way, shape, or form! These thieves ( and I 'm talking about the colleges ) are quick to give you a loan so they can get paid, and then when it comes to helping you find work so that you can actually pay back the loans they gave you, they are nowhere in sight to be found! 

I feel I have definitely been a victim of predatory lending and I do n't feel its fair nor right for me to be sued for an amount ( {$49000.00} ) that there is absolutely no way I can ever really pay especially given my circumstances and the lack of real help in finding any kind of gainful, meaningful, livable wage employment. 

PLEASE HELP ME and let me know what I can do to get these predators ( National Collegiate Student Loan Trust ) off my back! ... Even if they get a successful judgement against me in court, I 'll never be able to pay! - YOU CANT SQUEEZE JUICE OUT OF A PRUNE! 

I believe that instead of suing me, they should SIGNIFICANTLY reduce the amount of loan that I have to pay back. Perhaps something a lot more reasonable, sensible, and workable - such as {$12000.00} or something like that - would be a better alternative than a meaningless judgment for an amount that does n't even make any sense ( {$49000.00} ) and which is completely unrealistic for me to ever be able to repay! 

I have recently been awarded a GRANT to attend a training program which promises to better help me to find gainful employment in the field that training is being provided. 
This program will end XXXX XXXX. After XXXX XXXX - IF I actually do find gainful employment as they say they will help me to do - I MAY be able to work out a payment plan for an amount that wont create much hardship for me given my changed circumstances at that point in time. 

Please let me know what I can do to prevent a ridiculous judgment against me for a ridiculous amount that does n't even make any sense, which will only serve to unnecessarily burden me for XXXX knows how long into the remainder of my life! 
Thank you so much! - PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted first premier bank many times about a fraudulent account opened in my name that they refuse to remove. I have requested statements to no avail. I have also asked for a 1099 since they charged the account balance off also to no avail. This is misuse of my credit and also fraudulent that they are still reporting this debt and charged it off to the IRS with no 1099. Not only am i going to report XXXX XXXX XXXX  the IRS but I will also be suing them for statutory damages if this isnt removed from all 3 of my credit reports immediately.
Product: Credit reporting or other personal consumer reports

The moment I received the duplicate of my report that I purchased with XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION, CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these collection, charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Date Opened :, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What XXXX XXXXXXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX XXXX XXXX XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
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 ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I want the CFPB XXXX publish this.
Product: Credit reporting or other personal consumer reports

XXXX Account Number : XXXX - Please delete because of inaccuracy since the dates last activity is shown differently on the report ; Transunion shows XX/XX/2022, XXXX claims it was XX/XX/2022 while XXXX reports XX/XX/2022. Additionally, this charge-off account shows a {$440.00} balance. The balance should not be reported after it was a charge-off. This is clearly inaccurate. As per 15 U.S. Code 1681e, consumer reporting agencies are required to take reasonable measures to ensure the highest level of accuracy possible when preparing consumer reports. This means you must employ proper procedures to minimize errors and ensure that the information pertaining to the individual in the report is as accurate as possible.
Product: Debt collection

Keep getting numerious calls that call either early mornings or late past XXXX XXXX. They have yet to provide proper documentation for proof of agreement with my signature or contractual agreement.
Product: Credit reporting

XXXX is reporting XXXX collection accounts on my credit report. I have contacted the company requesting the production of documentation that I signed binding me to the XXXX debt. They can not produce any such documentation. The XXXX alleged account are causing harm to me. I believe my medical information has been released with out my consent. On the billing statements it lists dr ' s office, type of dr , and what services were preformed. I do n't want that information out there. And they re age the accounts. The account numbers on the statement do not reflect those on my credit report.
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 I have the right to privacy.

15 USC 1681 section 604 section 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 purpose.
Product: Money transfer, virtual currency, or money service

Cashapp {$700.00} XX/XX/year> No action taken no live agent or number to call
Product: Student loan

Hello all, My complaints with my loan servicer, and specifically my XXXX XXXX loan forgiveness payments, are as follows : Complaint # 1 : A qualifying payment of {$260.00} was made on XX/XX/XXXX, with a due date of XX/XX/XXXX. PHEAA says payment does not qualify is because, " You did not make this payment within the required timeframe. '' I made the payment 10 days before the due date. 

Complaint # 2 : Submitted annual recertification the Spring of XX/XX/XXXX via fax ( the only way for paperwork with the company at the time ). Try to contact company multiple times throughout XX/XX/XXXX ( even made extra payments ) to check on my status, and still received no word of my recertification. Because of this, I was forced to put my loan into administrative forbearance. I finally receive certification in XX/XX/XXXX, 6  months of missed time. 

Complaint # 3 : Delays my income/employment certification AGAIN from XX/XX/XXXX through XX/XX/XXXX. Another 3 months I can not count due to their unbelievable delay/lost paperwork. If you look through phone records on my account, a manager called me back informing me of restitution for their errors, which never happened. 

Complaint # 4 : Paid {$320.00}, based on an email from them saying " We want to remind you that your payment of {$320.00} is due on XX/XX/XXXX. '' However, is not counting the payment because " You did not pay the full installment due. '' I have an email in my hand right now that showed them saying I owed {$320.00}. I paid exactly what they asked. 

Complaint # 5 : Another extreme administration delay in processing my paperwork for changing my repayment type, this time from XX/XX/XXXX through XX/XX/XXXX. It is unfathomable that it takes 3 months to review paperwork that can now be automatically uploaded online and reviewed. 

As seen in the Massachusetts lawsuit against PHEAA has failed to process borrowers ' IDR applications timely and properly, thereby depriving borrowers of the opportunity to make qualifying monthly payments that count towards loan forgiveness. To accommodate its processing delays, PHEAA has put borrowers ' accounts into forbearance status, which is not a qualifying repayment plan for loan forgiveness. This is not acceptable, and I am requesting that the above mistakes and delays be corrected via restitution. As a XXXX  XXXX working for a XXXX, I 'm relying on this program and these mistakes are unbelievable. Please help.
Product: Credit reporting or other personal consumer reports

1. TransUnion - Balance : {$5300.00} - Credit Utilization : Unknown - Payment Status : Not specified - Last Report Date : XX/XX/year> XXXX. Equifax - Balance : {$5300.00} - Credit Utilization : Not specified - Payment Status : Late 30 Days - Update Date : Not provided XXXX. Experian - XXXX : {$5300.00} - Credit Utilization : Not specified - Payment Status : Late 30 Days - Last Report Date : XX/XX/year> Fair Credit Reporting Act ( FCRA ) : - Accuracy of Information : The FCRA requires credit reporting agencies to ensure that the information they report is accurate and complete. If your reports contain errors or if the late payments are inaccurately reported, this could be a violation of the FCRA. 
XXXX. Truth in Lending Act ( TILA ) : 3. Consumer Credit Protection Act ( CCPA ) : 4. Equal Credit Opportunity Act ( ECOA ) :
Product: Credit card or prepaid card

On Saturday, XX/XX/XXXX, I received a letter from Chase in regards to important changes to my credit card account. In this letter, it indicated that my account was reviewed and it was determined that my interest rate would be increased, effective XX/XX/2019 because my APR is " below the lowest APRSs currently offered on similar accounts. '' Since there is a section in the letter that references rejecting the changes, I called to see what my options were. I called the creditor and was told I could either accept the rate increase or close my account. I suspect this has to do with the fact that I changed my account from a non-rewards account to a rewards account and I feel that this could be a way for the creditor to make up for the cash back option or travel rewards option associated with my account. I did some research before filing this claim and I did take note that online, part of the Credit Reform Act is to protect against arbitrary rate increases. And this feels totally arbitrary.
Product: Consumer Loan

On XXXX XXXX, XXXX I went to a VW Dealership and leased XXXX vehicles. This was a week before the Public announcement of VW Diesel Vehicles having an emission problem. As a " Lessee '' of XXXX affected diesel vehicles I was quite concerned. My concern was that I would never get money back when I turned these cars at the end of the lease. XXXX XXXX I received a " Goodwill '' offer, as did the rest of America to which left me even more concerned. All the while making my payments on time never being late. I reside in the State of Texas and did extensive research on the Lemon Law. On XXXX XXXX, XXXX I sent a certified letter to VW requesting termination of both leased vehicles due to all the problems.I received a letter back from VW stating they would not assist me so I then went ahead & filed a Lemon Law complaint. I received an immediate response and was planning on preceding that route. XXXX XXXX VW announced their intentions of some sort of settlement. I withdrew my complaint with the State of Texas and anxiously waited on how to proceed with my claim. I submitted in XXXX thru the online portal all of my documents and received confirmation of my submission. Few days later I checked the portal and it showed my claim missing. Plus there had been several media outlets stating owners of the affected vehicles did not need to make a monthly payment due to the car being payoff. I also confirmed reports on the FTC website. I thought the best answer would be from an actual VW employee. So I called the XXXX number and waited over 45 minutes. I finally got someone on the phone and I explained to her what I read and heard from Media outlets. The Volkswagen Representative informed me I was CORRECT and I did not need to make a payment. The vehicle would be paid in full at the time it was returned. Unfortunately I was informed incorrectly because VW is now reflecting on my Credit report that I was 90 days late on the XXXX and I am 150 days on the XXXX. I had a PERFECT payment history with Volkswagen Credit. Never was I late! Now I go from having XXXX credit scores to XXXX credit score. Furthermore when I went to speak to the General Manager at the dealership back in XXXX when I originally discovered how my credit looked, I explained to him the situation and was visibly upset. He told me that Volkswagen was loosing so many clients he had heard that the XXXX number was giving incorrect answers to customers so that the customer would have to keep the affected vehicle. Then he started pressuring me to buy another VW. Volkswagen 's actions are completely egregious and reckless. I am asking for your assistance with the following ; I would like for my credit cleared up so that I can purchase another vehicle & not to be forced to purchase another Volkswagen. Plus I want Volkswagen to be held accountable by filing a formal complaint. If you read on the FTC website I am not the only customer out there that has had problems with this company. When is enough enough?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report for a {$XXXX} opened XX/XX/2018. The original creditor is XXXX XXXX XXXX. The collection agency is XXXX XXXX group. I came to a settlement agreement with XXXX to pay {$XXXX} of the {$XXXX} collection to close and remove the account which i paid. The collection is still being reported. I'm currently in the process of buying my first home and this collection still being reported has my lender at a stand still. I can not proceed any further buying a home because of this reported collection. I've paid the debt as agreed and am still being hindered as if i didn't pay the debt. I disputed this with the credit bureaus and asked them to investigate and requested all documentation verifying where they came up with the {$XXXX} balance. Experian responded in about 10 days and I never received any documentation which means they didn't investigate anything. I then contacted XXXX XXXX group asking for good faith to remove the paid collection and inquiring about why they have not removed the settled account from my report. I was told " that the contract they have with their client XXXX XXXX XXXX. doesn't want anything removed from the report no matter what the status of the collection is ''. I then contacted XXXX XXXX XXXX XXXX Department and explained my situation to them and asked why their contract with XXXX doesn't allow for paid collections to be removed. The XXXX XXXX Department informed me that there is no contract. During my phone call with XXXX XXXX I found out that that XXXXt did not complete everything needed once i paid the settlement. they were supposed to contact XXXX XXXX to inform them we came to a settlement agreement that i paid and the remaining balance of {$XXXX} of the original debt was to be credited to me as a balance of {$XXXX} which never happened. XXXX XXXX showed that I still had an outstanding balance of {$XXXX}. If the the credit bureaus had properly investigated and gathered the documentation I requested this should have been brought to light. I was told to contact and file a complaint with the Consumers Financial Protection Bureau, State Attorney Generals Office and a consumer law, law firm. Thank you for your time.
Product: Vehicle loan or lease

XXXX XXXX XXXX continues to charge bogus charges. I calculate over {$100.00} since the end of last year. I've called/messaged multiple times to attempt to resolve this unsuccessfully. For example, I was charged XXXX instead of XXXX on my XXXX statement. I payed an extra {$50.00} on my account in order to resolve this. I called to make sure this would take care of it and they assured me it had. Lo and behold, they charged another unexplained extra {$30.00} this month. This situation has repeated itself and I have the feeling they are taking advantage of multiple costumers.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.
Product: Debt collection

On XX/XX/XXXX received a phone call from a SC number. I spoke with a black male who asked who I was. I stated may i ask who is speaking. He stated i assume this is **** ( Myself ). Asked me to verify the last 4 of my SS and Date of birth. He did advise this is an " admit to collect a date ". I advised about a loan dated back to XX/XX/XXXX for a payday loan. I advised that i was currently working and paying this loan with someone else. They then advised me that i was being scammed by the company that i am paying and that they have the loan in their office now as of XX/XX/XXXX. I have not received any documentation from this company. Today, i received notification that from my credit monitoring that they have added this loan onto my credit dated back from XX/XX/XXXX. I am in the process of paying this loan every month from a company that worked out an agreement to clear this up. and also disputed this with a XXXX credit bureau.It has not been placed on my other major credit bureaus. I am the process of sending a debt validation letter as well. But i never received documentation that this loan was sold. And per the people i am paying they have not sold this loan to anyone else. And also this loan is pasted statue of limitations, and also i advised that to the rep who i spoke with today as well. He stated that well that is true but since we placed the loan in our office that we can place it on your credit.