23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was enrolled in XXXX XXXX at XXXX XXXX College. After a week of starting school, i was told by a financial aid representative that i was going to have to start making monthly payments to XXXX XXXX College for interest. I was told that if I did not make the monthly interest payments on time, that I would not be allowed into class until payment was made. I was then told that financial aid would not cover the interest payments, therefore i would have to take out a private loan through XXXX XXXX College so that I would be sure to make the monthly payments on time. The way the loan worked was every month the school would issue a check, which i would cash and then make my payment. I did not receive the full amount of the loan. It was a monthly check to make sure we payed our payment on time. XXXX XXXX XXXX College closed its doors on XXXX XXXX, 2016. Staff and students were notified through email on the same day it closed with no explanation. That next week the owner of XXXX XXXX College ( XXXX ) filed for bankruptcy. We later found out after trying to transfer to other schools that XXXX XXXX College maxed us out on our financial aid/pell grants/loans, making it impossible to transfer to any other school. I was told i would have to pay out of pocket {$5100.00} per semester if I wanted to finish my XXXX career. I 'm forced to discharge my student loans and lose all my credits that i worked soo hard for because I simply can not afford to pay out of pocket. I am " low income '' and may possibly fall under " below poverty level ". XXXX school was my dream, my chance to get off of government assistance and provide for my children and grandchildren ( whom i have custody of ). I gave up a lot while in XXXX school because being a XXXX was my passion. I went from a XXXX position at work to a XXXX position just so i can keep my grades up in school. I missed first day of XXXX for my grandchildren because i had to be at my XXXX at XXXX. I missed family birthdays, get togethers, sick days and dinners with my children because i made XXXX school my priority. That 's lost time I can not ever get back. XXXX XXXX College breached their contract with me by closing its door and not letting me finish my XXXX education. I do not feel like I should be responsible for a loan that XXXX XXXX College kept. Also i was told by FAFSA and Dept of Education that i was not suppose to be making any payments for interest until 6 months after I finished school. So I never even needed a loan that XXXX XXXX College told many students we needed to take out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this XXXX credit card, original account # XXXX since 2008. Almost 10 years later. XXXX still want to keep charging the same amount by Cavalry is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. XXXX Cycle of Debt : XXXX used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. XXXX use Cavalry debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, XXXX would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that XXXX created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). XXXX has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). XXXX want to transfer that to debt collector company Cavalry the amount of {$10000.00}. XXXX balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to XXXX around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
Product: Student loan

XXXXSubject : ** Request for Interest Forgiveness Due to Mismanagement of Forbearance **To Whom It May Concern, ** I am writing to formally request assistance in forgiving the interest that has accrued on my student loans due to misleading and misguided information provided to me by Mohela Loan Servicing XXXX 

Following the COVID-19 loan payment pause, I was incorrectly placed into an administrative forbearance due to my Borrowers Defense application submission. At no point during my submission did I elect to be placed into forbearance ; in fact, I specifically elected to continue payments once the COVID-19 pause concluded.

Despite numerous contacts with Mohela to resolve this issue and be removed from forbearance, my loans were repeatedly placed back into forbearance without my consent. As a result, interest continued to accrue during this period, which I was not supposed to be responsible for. 

In the spring of XXXX, I was finally removed from forbearance. However, the large amount of interest that accumulated during this period now burdens me, and I am required to pay this interest before any reductions in principal can be made. 

This interest is a direct result of Mohelas mismanagement of my account. I am now facing monthly payments of {$4000.00} next year which I can not feasibly continue for the future. My Borrowers Defense application is still under review and expected to be processed by XX/XX/XXXX. I urgently need assistance in forgiving the interest accrued during this mismanaged period to avoid further financial hardship. 

Please consider this request and provide any available assistance or guidance. 

Thank you for your attention to this matter. I look forward to your prompt response. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Mortgage

I 've been trying to stop paying my home insurance through my mortgager since early XXXX of this year. My initial request was via fax and did n't have my signature, so I sent another with my signature on XXXX XXXX. It was not entered into their system until XXXX XXXX, and I was not notified that they were even in receipt, or that a signature was missing. It was only upon my calling them that they told me they needed my signature. I followed up on XXXX XXXX, and was told they would make a request and put a rush on it. today I called and was told Insurance could not help me that she would transfer me to the group in charge of escrow, and the call was routed back to the main menu. When I went through the whole process again, and became a little annoyed because this process was taking an extraordinary amount of time and Seterus is taking more money than necessary to pay my home insurance, the young lady hung up on me.
Product: Debt collection

Account Resolution Services has refused to give me the address or contact information of XXXX. There are no records or phone number found for this company. I have never rendered services from a company called XXXX. 

Account Resolutions Services also refused to give me a copy of any bills, billing itemizations or contract information concerning the debt they claim I owe. 

Account Resolution Services has refused to provide me with proof that it has any authority to collect for XXXX.
Product: Debt collection

I had a private student loan from XXXX University XXXX XXXX XXXX that I defaulted on. The account was sent to Allied Account Services. Ive been paying the account but certain things were not explained clearly. They are charging interest plus Creditor added fees. I was told by allied that they could collect additional fees these fees were over {$1500.00} on a {$5800.00} debt. I dont think that the original balance reflected a payment that I made before the account was sent to collections. I do not know how they calculate these fees. In addition I am being charged Interest. The interest rate is supposed to be 5 %. My monthly bill does not always have an accurate interest amount stated. For example on XX/XX/XXXX the interest charged was {$1.00} on principal amount {$2700.00}. The creditors fees was {$11.00}. On XX/XX/XXXX the interest was {$220.00} principal amount was {$1800.00}. The creditors added fees was {$62.00}. Why is the interest and creditor fees going up? 

Heres another example : In XXXX XXXX the principal was {$5800.00} the interest charged was {$680.00}. Added creditor fees was {$1400.00}. In XX/XX/XXXX the principal was {$5500.00} interest {$21.00} creditor fees {$1000.00}. 

I requested information on how interest is calculated from Ms.XXXX.
Product: Student loan

My student loans with XXXX XXXX went into default. Now Northstar Location Services took over payment. I set up {$250.00} a month. My husband and I just got a joint bank account a few months ago and now someone got into our account and retrieved our account numbers. As a precaution, they closed that account out and gave us a new account. I went to lunch and got back and had a missed call & voicemail on my cell phone, work phone, and they had called a department that takes incoming calls from our loan officers about our mortgage loans. So I had a co-worker messaging me about it. I called the lady back, her name is XXXX XXXX XXXX, and told her I have told her more than once not to call my work phone. She said it was system generated and she had no control over it. I told her I never even gave them the place where I worked, let alone, my work phone number. I also told her we can not get those type of calls here, that my workplace does not allow it. Once again, she told me that she would remove it. I do not believe her when she tells me this as she had said it before. She said well the only time we call you at work is when there are non sufficient funds. I told her that I have always gotten back within the day if there are any issues and I do not care what the issue with my account is and calling my cell phone and leaving a voicemail was enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX XXXX XXXX5 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 this item 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the account with Progressive Management back on XX/XX/2021. PAID {$1000.00} The agency gave my rep this Confirmation number # XXXX Payment Confirmation- XXXX # XXXX. They promised when I paid the {$1000.00} they would fully remove the collection off my credit report. As you can see they did remove it from XXXX XXXX however it is still reporting to XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

.On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with The Fair Credit Reporting Act. This creditor has violated my rights under 15 u.s.c. Anyone section 602 States, I have the right to privacy 15 USC, 1681 section 60 for a section 2. It also States a consumer reporting agency can not furnish at a kind of count without my written instructions under 15, USCS 1666. Be 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: Credit reporting, credit repair services, or other personal consumer reports

I have THREE problems. 
( 1 ) I checked my credit again today, and a nonsense address CONTINUES to be listed. I contacted both XXXX and Bank of America and the incorrect address continues to be shown. That address is XXXX XXXX XXXX, XXXX, CA XXXX. That address doesn't exist. I've called and confirmed they are going to remove this and they don't do anything. They tell me they'll do it, and NOTHING. 
( 2 ) My credit card with XXXX through XXXX doesn't appear at all. I've had this card a long time. I don't understand why it doesn't show up on my credit report. 
( 3 ) They have an incorrect social security number last four of XXXX listed. That's not my SSN. 

I don't know how the banking industry can exist with these absolute fools and incompetents doing credit reports. Credit reports are important. Inaccurate, missing, and just plain XXXX  XXXX does not help the banking industry. I want this stuff fixed and there's no way to speak to anyone at XXXX or Bank of America in any reasonable amount of time ( hours on hold ) AND you can't do it via email or mail - there's no addresses provided. These people make big money with this XXXX and there is NO SERVICE to help get corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 
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
Product: Credit reporting or other personal consumer reports

Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use.
Product: Credit reporting, credit repair services, or other personal consumer reports

was trying to buy a house and I realized that I had damage on my credit report according to the 15 U.S.C 1681 they should not be any damages on my report this is a defamation of my character. In XXXX I lost my job due to covid-19. per the CFPB website we were advise if you are having problems with paying your bills during COVID-19 to reach out to your Leanders or creditors and find out what options or programs were available. I reached out to every company. XXXX would not approve payment deferment on all my account. I had to try to borrow money to pay XXXX. If I was unable to make payment and company could not defer that account I received an 30 day late on my credit report. XXXX used a company system and it would only allow 1 or 2 account to be deferred at a time. Once I started receiving unemployment payments I was able to make payments on my accounts. I was not able to find a job until XX/XX/XXXX. The government advise all the creditors to forgiving late payments during COVID-19 XXXX and XXXX XXXX did not offer grievance during COVID-19 XXXX has damaged my credit with 6 accounts and several late payments. I had 8 accounts totaling over {$10000.00} and was never late until I lost my job, XXXX XXXX reported 1 late payment in XX/XX/XXXX. I have written letters and sent several emails asking to remove late payment. XXXX XXXX sent back a very nasty letter. I had this account since XXXX and never been late. 
XXXX XXXXXXXX has been reporting late payments with on my credit. XXXX XXXXXXXX is not my loan servicer. ALL Student loan payments are suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I was notified by my XXXX XXXX XXXX XXXX, that EQUIFAX was reporting my Credit Score 100 points less ( XXXX ) than the Other Credit Reporting Services XXXX  ( XXXX ) " I have NO Derogatory ... I contacted EQUIFAX via Chat, Individual just kept repeating her self not addressing the issue. Then after a half hour wait spoke with XXXX ( XXXX ) ( Supervisor ) who repeatedly stated that the score from Equifax 's Website was NOT their score ( even though their site provided and my Credit Union had roughly the same score ). This 100 point difference without a valid explanation, cost my family thousands of dollars in Interest being paid on debt. This is unacceptable, AND needs to be addressed.
Product: Debt collection

I have this viewed several things off my credit due to fraudulent credit cards hard inquiry that I did not occur also a phone that was in my name that I did not authorize loans as well and I have been trying to dispute this for over four months now I do not live at the address is listed on my license. I have not lived there in years. I will upload my lease with my license in a piece of mail with the same address that they mailed me this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copy of my credit report, and i saw accounts which are not belong to me. 
I believe, that i was victim of identity theft, someone used my personal information and applied for all these accounts, i'm not responsible for all these debts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment reporting on my credit report associated with XXXX XXXXXXXX ACCNT XXXX XXXX XXXX for the dates of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Upon calling XXXX XXXX directly. Their records did not match that information. 

I firmly contest and request these entries as inaccurate and invalid information. 

According to the Fair Credit Billing Act, privacy and consent exclusion specified under Section 15 USC 1666 b This transaction does not need to be reported.

Thank you for your prompt response and resolution towards this matter.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check for an amount of {$XXXX} at a USAA ATM machine in XXXX. When I deposited the check only a portion of my check was made available. I immediately called USAA to understand when the funds would be released. The USAA representative expressed that the full amount would be available the morning on XX/XX/XXXX. That next day my account indicated that I had an available balance of $ XXXX in my account. I went on to make payments and my debit card went through on all occasions. Later that day I went on the app and noticed that there was still a hold balance on {$XXXX}. However, my available balance still read that I had $ XXXX available. I called USAA and another rep stated that the check was being held until XX/XX/XXXX which went against what I was originally told. I was irate as this negatively impacts my finances as we are approaching XXXX and the holiday season. I have travel plans arranged and now am unable to follow through with those plans. They indicated that they could not make an exception and that it would be escalated to an advocacy group which will take up to XXXX business days. Given that is a Friday it would not be until next week. Now my account is in negative standing and I have XXXX access to funds and unable to celebrate the holidays with my family. I paid a large bill using another account thinking that the check would clear and am now stuck with {$XXXX} going into the holidays based on FALSE information by a USAA representative.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX # XXXX XX/XX/year> -- {$0.00}
Product: Debt collection

My recent credit report shows several accounts I didn't open. I need these fraudulent entries blocked and removed immediately.
Product: Money transfers

I ordered a table top game from XXXX and the person never sent the English version of the rules and charts that he promised.
Product: Credit card

Comenity Capital Bank representatives keep calling me on my cell phone ( XXXX XXXX XXXX ) sometimes at inappropriate times threatening legal action, etc. 

I have been in the hospital for the past year and required skilled XXXX XXXX  XXXX I have mailed Comenity Capital Bank XXXX XXXX XXXX XXXXXXXX several times in the past few months a " cease and desist '' letter asking them not to contact me again. 

Comenity representatives have disregarded my written requests and keep calling me. 

A few days ago I sent them the same letter via trackable, USPS Ground Advantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Equifax Information Services LLC dated XX/XX/19 to delete a Chapter XXXX Bankruptcy listed in my credit report that is reporting inaccurately and inconsistent information. Equifax refused to remove this incorrect information and they claimed that the information was verified as correct. 

It is impossible that Equifax conducted a thorough investigation because the information is not provided by the XXXX XXXX XXXX and they do not have any information from XXXX as there is a Security Freeze on my file. 

Please see attached copies of the dispute letter to Equifax dated XX/XX/19 and the letter from XXXX dated XX/XX/19 confirming the XXXX Security Freeze. 

Please investigate Equifax Information Services LLC so this erroneous information shall be deleted from my Equifax credit report. 

Thank you, XXXX XXXX XXXX