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 XXXX XXXX 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 : * 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 Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University 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 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: Consumer Loan

XXXX XXXX XXXX XXXX as Assignee Gamache and Meyers have garnished bank accounts after the statute of limitations has expired in Missouri.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

I, like many other servicemembers, applied for the Barclay Mastercard goldcard under the assumption that all fees would be waived and 0 % interest as long as I remain on XXXX XXXX. When I applied for the card and was approved around XX/XX/XXXX, I was promised by multiple customer service reps that I did in fact qualify for 0 % interest and ALL fees would be waived. I then recieved a letter stating that they would no longer waive the annual fee and that I would be billed {$990.00} in XX/XX/XXXX. I have attempted to work out a solution with Barclay. They wo n't even allow me to downgrade the card because the account is new. I would n't have applied at all if I knew they would change their policy without grandfathering previous cardholders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a verification letter to the company and received no response XXXX responded on XX/XX/2022 to verify the debt of $ XXXX company could not provide the original contract with my wet signature, creditor information such as name -address, and phone number of the original creditor, the payment history of the account such as itemized billing, and proof of ownership.
Product: Checking or savings account

on XX/XX/XXXX I attempted to transfer money from my account to a friend's account using XXXX and got notified that my XXXX profile was locked.  I called on the morning of XX/XX/XXXX was told that it would be a short hold and at 40 minutes decided to take their option to leave a message for them to call back.  Four hours later I still hadn't heard from them so I called back and was notified that the only way to get through was to wait on hold for 1.5 hours.  I asked that they call me back.  On the morning of XX/XX/XXXX I called back because I still hadn't heard from them.  I was told that I would be connected in 12 minutes as soon as the office opened and get put on hold for a XXXX XXXX service line and nobody picked back up.  I don't think there is any way to speak with Ally directly rather I get some proxy that is not capable of doing anything.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX XXXX XXXX  I dont recall being late on this account. Please verify all information is 100 percent true accurate and correct and is not untimely unverifiable incomplete or inaccurate. Provide proof of last payment otherwise remove the late from this account.

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be deleted and update as agreed this payment history Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per Section 609 ( a ) ( 1 ) of the Fair Reporting Act ( FCRA ), you are required by federal law to verify any all accounts posted on my credit report and only report accurate information. I request all verifiable proof you have on file the late payment listed on the following account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On my experian report I previously dispute several accounts and got them removed now a few years later theyre back on there but under a different collection company. This whole process is XXXX  the companies dont care that they have the wrong info, or outdated info, or anything. They knowingly post accoumts that they should n't. They need to be held accountable
Product: Credit reporting or other personal consumer reports

Reporting the XXXX incorrect balance to Trans union and refused to correct the balance.
Product: Debt collection

I visited an ER at XXXX XXXX on XX/XX/2018. In XX/XX/2018 I was notified by my credit monitoring subscription with XXXX  that a negative report/collection was placed in my credit file and my credit score decreased over XXXX points. This is a medical bill from XXXX XXXX in the amount of {$210.00} which my Health Insurance Company / Self Funded plan thru my employer, did not pay apparently in a timely manner due to the employer did not fund the plan. I contacted my employer and the plan administrator, XXXX XXXX XXXX XXXX P.O. Box XXXX, XXXX, LA XXXX, XXXX. They have now indicated paying the claim in the amount of {$35.00} and stating my responsibility is {$0.00} due to the claim was not received in a timely manner. The debt remains with the collection agency as unpaid and has been reported to XXXX, XXXX and XXXX. I have appealed thru XXXX and it has been removed but it remains active on my XXXX and XXXX credit reports. The company, XXXX XXXX, still indicates I owe the balance even though the plan administrator indicates I do not. The collection agency is " Online Collections ''. This ordeal has affected my ability to obtain a mortgage at a competitive rate as my good credit rating has been affected significantly. Please note also that I have reported the employer, XXXX XXXX XXXX XXXX, to the Department of Labor for not funding my insurance plan and not paying my insurance claims as they should have. The contact with the DOL is XXXX XXXX, ( XXXX ) XXXX, XXXX. 

Your assistance in resolving this matter promptly is greatly appreciated. 

Sincerely, XXXX XXXX
Product: Student loan

I have  two  consolidation loans with navient. I have been paying for  25plus ye ars. I did not authorize my student loans to be consolidated and yet they were in  XXXX . They are done in  XXXX . However, I have paid over twice the loan amount originally in interest when I could have been done with my loans years ago. I have tried to reach navient and can not get a person to answer a phone call. This is not right or fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a method of verification request to XXXX on XX/XX/2019. On XX/XX/2019, XXXX informed me that I would receive my method of verification into my erroneous bankruptcy information that they are reporting within XXXX days. XXXX admitted to illegally using my social security number without my authorization to obtain certain information. XXXX has also claimed that certain divisions of their company are not considered actual CRAs. Please see the details listed below. 

1. The FCRA only allows 5 days for this request. XXXX is therefore in violation of federal law. Reference : FCRA 611 ( a ) ( 6 ) and ( 7 ) 2. The request still has not been fulfilled as of XX/XX/2019. XXXX is once again in violation of federal law. Reference : FCRA 611 ( a ) ( 6 ) and ( 7 ) 3. In a previous correspondence with  the CFPB and myself, XXXX admitted to using my whole social security number to allegedly access files about me in the PACER system. XXXX gave a vague description of where they obtained my social security number and furthermore, was never given my permission to use my social security number as I had no business or contract with XXXX. This is also in violation of federal identity theft laws. 

4. XXXX has stated in the previous CFPB complaint reply that their division that gathers public records is not a CRA, and therefore is not subject to the FCRA laws. 

Please reference the following ( specifically section ( p ) ( 1 ) : 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

( g ) The term " file, '' when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. 

And take a look at this one closely, how and the XXXX can they tell you they are not a CRA, it says they are right here. 

( p ) Consumer reporting agency that compiles and maintains files on consumers on a nationwide basis. The term " consumer reporting agency that compiles and maintains files on consumers on a nationwide basis '' means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information.

( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and was shocked to learn that I was a victim of identity theft. I found numerous accounts on my credit report that were opened, which was not done by me. This is hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the is credit reporting company numerous of times regarding an account on my report. The company continued to send me templates and did not resolve my issue.
Product: Credit card

XXXX/XXXX/16 I authorized a {$280.00} payment to Citibank/Best Buy. They attempted to take {$3800.00}. I called them on XXXX/XXXX/16 after receiving an email notice of this attempt. Citibank assured me it would not occur but if it did it would take 60 days to resolve. So, I put a stop pay on my XXXX Bank account for safety. Citibank also said that they would only take the {$280.00} payment authorized. Citibank attempted to take the {$3800.00} and marked the account as Paid in Full. I kept logging into the account online to make sure the payment of {$280.00} but the account showed {$0.00} balance. All attempts by me to make the payment were declined as their system showed a {$0.00} balance. On XXXX/XXXX/16, I received an XXXX Credit Report Warning that Citibank had reported my account as past due. NOTE : this is my ONLY late payment ever in my XXXX years of life. I immediately called Citibank, explained the problem again, made the payment. Found out that Citibank could n't make the original {$280.00} payment because it deactivated all access to my XXXX Bank account for payments which was their mistake. I ended up paying {$300.00} from another bank account and was assured that the mistake would be corrected and reporting corrected to credit bureaus. In speaking with XXXX a Citibank Team leader on XXXX/XXXX/16, I was told the correction to my credit report was put through. I called again today, and spoke with XXXX, who told me this was not the case and that it was being reviewed still. I have documentation of all of this from the {$280.00} payment amount to emails from Citibank to bank stop pays to erroneous reports. I filed a written complaint with Citibank/Best Buy as well as all credit bureaus. Citibank has simply made errors, lied about correcting them, and essentially done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXS XXXX  Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. Experian XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$1700.00}. Experian XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$1700.00}. 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed that your company reported my account 30 days late. I have never received a statement for this account therefore any late payments reported are invalid. I attempted to login online to make a payment on my account and there was no option to pay. How can I be reported late if not given the opportunity to pay? Please see the attached letter.
Product: Debt collection

The last correspondence I sent the company on XXXX pertained to a demand for validation. The company 's correspondence to me dated XXXX provided me with verification of the account, they failed failed to provide me substantive validation of the account, there are no statements and contractual agreements from the original creditor that they could produce and at the same time they persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
Product: Debt collection

Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I had a missed called today XX/XX/2019 from phone # XXXX. I called the number back and XXXX answered the phone, gave his first name and asked who I was. I asked repeatedly what the name of the company was that I was calling, he refused to tell me and hung up. I called a second time and that representative also refused to tell me the name of the company. My 3rd call was to XXXX XXXX, I believe, after I identified myself ( with name only ) he finally told me the name of his company AAA Collections out of XXXX XXXX SD, read me the " mini miranda '' and advised me of a debt with XXXX. He did not attempt to verify a second piece of information with me such as my address or dob or ssn to verify it was in fact me before disclosing the debt, which is a violation of FDCPA. All three representatives also refused to give me the name of the company I was calling even though I specially asked repeatedly, also a direct violation of the FDCPA. and I have recieved absolutely no written correspondence about this debt from this company and was completely unaware of said debt, a validation notice is required to be sent to the consumer notifying the consumer of the alleged debt and notifying the consumer of their right to dispute or request validation of the debt. They have not provided me anything, also a direct violation of the FDCPA collection practices. I informed the representative on the phone that it is against FDCPA practices to refuse to give your company name. I have all 3 calls recorded and can provide them if needed. I also told him they do not have permission to contact me on my cell phone in the future. I have not yet decided if I will be consulting with an attorney and taking legal action but it is a possibility. If you want copies of the phone calls please let me know and I can email as I can not attach below from my phone recorder app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balanced Owed : {$0.00}