23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Thousands of students were scammed by XXXX into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX 
As a matter of fact, XXXX  XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by XXXX  XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of {$20000.00} were discharged and my credit repaired. 
I am aware that XXXX was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for XXXX, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools.

After the AG settlement, didn't XXXX also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't XXXX have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
XXXX knows who we are. 
Under the FTC " Holder Rule '' XXXX is liable for giving predatory loans in connection with online for-profit schools. 
Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 

I transferred half of my debt from the Parent PLUS loan service to XXXX which turned into XXXX Mohela in order to get the debt out of my mother 's name and place it under my name. So this would be a complaint that would deal with XXXX Mohela and their 3rd party private loan services. 

XXXX XXXX XXXX has sent a letter to XXXX 's CEO asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

on XXXX XXXX, 2017, I received a letter from Key Bank closing our checking account for : your account relationship poses excessive risk to the bank. 
I had the same bank for over 43 years ; I have NEVER had any issues, such as over drafting or anything. 
When I received the letter I went to the bank and they informed me that : they or I can terminate the business relationship at any time without any explanations, thus, they dont need to provide me with any reason. 
That I was a great customer never had problems with me or I with them and " I 'm sorry is nothing that we can do ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XXXX XXXX, XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Account number XXXX. Open/closed Open The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
provide proof of any verified information
Product: Student loan

I have been a full time XXXX XXXX XXXX XXXX since XX/XX/XXXX. I completed a XXXX in XXXX in XX/XX/XXXX. During my time at college I had to take multiple student loans to pay for my education. The loans included Stafford loans, Perkins loans, and Key Alternative loans. The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), Wells Fargo Bank, and finally XXXX. 
I feel that I was pressured and talked into multiple consolidations that overall were very detrimental to my loan balance. I pursued a career in XXXX XXXX because I knew that after 10 years of service I would be able to receive loan forgiveness in my federal loans. Since the majority of my loans were federal this in theory would have worked out. I was unaware at the after consolidation to a private company this would not be available anymore. The company such as Wells Fargo did not adequately relay this information to me and talked me into the consolidation. 
I have just about all of my loan statements. 
I consolidated one last time with XXXX just because they offered one of the lowest rates. I feel that the companies first listed defiantly preyed upon me as a college student with little money. At this time my balance is XXXX, XXXX this after almost 10 years of full on time payments. At this rate I could have been an XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several collection accounts reporting on my credit report that I have tried religiously to get removed. I hired a lawyer with XXXX XXXX top help me get these items removed from all major credit bureaus. I have requested that they present me with a contract with my signature on it seeking credit to which they have not been able to provide. they continue to update the account indicating it has been verified without providing to me the written verifiable contract seeking credit which are the guidelines and regulations set forth by the fair credit reporting act. 

the collection accounts in question are as follows and note I have never truly been able to utilize my credit in my life because of these negative accounts popping up on my credit file. I beg for a chance at XXXX day the ability to have a fair shake at credit like everyone else. 

accounts in question are as follows : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I qualify for XXXX loan forgiveness on my federal loan of {$17000.00} because I worked at a XXXX XXXX XXXX as a XXXX XXXX XXXX for at least 5 years ( it was actually 8 ). I spoke with Navient on XX/XX/XXXX and I was told that my application for forgiveness looks great and I am in the phase where I can " sit back and relax '' and that my work was done. I called last night ( XX/XX/XXXX ) to get an update and was told that there was a problem with my application. This is not the first time that they have said there is a problem, and there is never a timely response, sometimes taking more than 30 days to receive a response. I was told that since the school in which I was working changed names, I must resubmit the entire application with the previous names as well as the original application. So I would have two nearly identical applications going at the same time. The requirement is that I taught at the school for 5 years consecutively and I did so, not including the name change. I find that their information is unclear and untimely, and they are making no efforts to assist me in completing this process. Navient seems to be the only contact point on this subject and is either unable or unwilling to assist me in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and the attorney general re negligently reporting and not reporting information that is causing significant impact to my financial well being. After a dispute they remove and only to report again the very next month. The inconsistency and negligence of their reporting to loose a credit card and now ability to secure financing to purchase land and build a home.
Product: Money transfer, virtual currency, or money service

i am writig to formally express my concerns with XXXX handling of my information and disputes, particularly. in light of the CFPB lawsuits highlighting the significant issues with the platform. They lacked
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of all reported accounts from my credit report. Despite my repeated disputes, Equifax and TransUnion have failed to conduct a proper investigation into the inaccuracies and errors affecting my credit profile. Their negligence has resulted in continued harm to my financial standing, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ).

Pursuant to 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. However, Equifax and TransUnion have failed to comply with this requirement, leading to erroneous and misleading information remaining on my report.

Furthermore, their failure to ensure the accuracy of my credit file violates 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy in the information they report. Because of these violations, I request that all reported accounts be removed from my credit file immediately.

As a result of these violations, I am prepared to pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for statutory and actual damages, attorney 's fees, and punitive damages in cases of willful or negligent noncompliance.

I request that the CFPB take immediate action to investigate these violations and ensure that Equifax and TransUnion fulfill their obligations under federal law. I demand that all reported accounts be removed from my credit report and that both agencies provide a written statement confirming their compliance.

Please find enclosed copies of my dispute letters, supporting documentation, and previous correspondence with Equifax and TransUnion for your review.
Product: Student loan

Still paying private loans after the Institutes of Art have been sued found negligent and have now closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been informed student loan is on my credit report. I have not attend XXXX XXXX XXXX XXXX  XXXX University. I have visit the school to get student ID information, and any documents on file to confirm account belongs to me. There is no documents and have been confirmed there is no enrollment for me.
Product: Debt collection

On three occasion from XX/XX/XXXX- XX/XX/2017 I attempted to settle my debt by paying off a smaller amount. XXXX 's refused to negotiate or accept the amount I was offer. I have been out of work for an entire year with a very limited income and the continue to send letters demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
XXXX {$32.00} XXXX {$420.00} XXXX {$57.00} XXXX {$180.00} XXXX {$1100.00} XXXX {$850.00} XXXX {$850.00} XXXX {$420.00} XXXX {$600.00} XXXX {$1400.00} USDEPTEDXXXX {$50.00} XXXX {$160000.00} XXXX {$160000.00} DEPTEDXXXX {$50.00} XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at approximately XXXX XXXX. I opened an E-mail from the XXXX XXXX that monitors my credit score through Trans Union and XXXX. The report showed that my credit score had dropped 4 points. It states " Between XX/XX/2020 and XX/XX/2020, your XXXX XXXX XXXX credit card balance decreased by {$12.00} from {$12.00} to {$0.00}. '' I contacted the XXXX Credit card company on XX/XX/2020 at approximately XXXX XXXXand I was told that my card is in good standing, and that there were no errors in reporting on their end and that my balance has been paid in full and it currently is at {$0.00}. 

Basically Trans Union is showing that my balance of {$12.00} was paid on time and now the balance is {$0.00}. I have a {$3000.00} limit on my card. {$12.00} was charged to my card and the balance was paid on time and in full and as a result my credit score dropped 4 points. This is XXXX.! 

An on-time payment according to these XXXX is a negative factor. 

This is an ongoing issue with trans Union. They are constantly reporting false information. I am tired of disputing these issues with this company only to have them not fix their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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, credit repair services, or other personal consumer reports

I recently reviewed my XXXX profile and found a hard inquiry from a " non-account '' holding creditor named Credit Acceptance and XXXX XXXX XXXX on XX/XX/2018. 
I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company. 
I wrote a letter to dispute the inquiry and requested proof from XXXX & Credit Acceptance of authorization by me or delete from my XXXX credit profile immediately! This hard inquiry is suppressing my credit score. 
I have attached images of the letter I sent XX/XX/2018
Product: Mortgage

I enrolled in the US BANK forbearance program XXXX of XXXX due to the corona virus pandemic. My work depends on XXXX XXXX done at our local hospitals. At this time the hospitals were handling virus patients and my income was significantly reduced. This went on and off until the end XX/XX/XXXX, at which time my forbearance ended and I was able to start paying my mortgage again. I had been told numerous times throughout the forbearance period that all payments would be put on the back end of the loan. However, I was asked to submit profit loss statements, bank statements, explanation letters, tax records etc. to the loss mitigation division. The first attempt was denied and I was offered A short sale. I was given the opportunity to appeal which I did and was denied again and offered a short sale. I was then told I was applying for the wrong program I was told I needed to apply for COVID 19 long term. I went through the application process for this program which took a few months. Again I was denied and offered a short sale. This process took from XX/XX/XXXX till XX/XX/XXXX. During this period I was able to make payments but was told no payments were acceptable during application process. On the denial letter one of the reasons said I was behind on payments from XXXX till XXXX. It also stated I SAID I wasn't able to make payments which I stated in letters I was able. Another denial reason said they could not find an affordable payment plan for me. I was never given an option on any payment plan. Another reason saying I was in Loss mitigation before, which I was years ago for different reasons. Why let me in this forbearance program if being in it before disqualifies you for another one. So, now after the forbearance from beginning XXXX till end of XXXX now they are saying I am 764 days delinquent and have to pay {$52000.00} to avoid foreclosure or do a short sale. I am left with my only option of XXXX bankruptcy. I really don't want to go down this road especially when I can afford payments. I will still be making payments under XXXX XXXX and hang on to house with 7 years of bad credit. It seems unfair that after proving with bank statements that my income could afford repayment if deferred to back end of loan. IT IS IMPORTANT TO NOTE THEY WOULD NOT TAKE MY MORTGAGE PAYMENT DURING THE APPLICATION PROCESS WHICH LASTED 6 MONTHS. NOW THEY SAY I WAS BEHIND ON PAYMENTS WAS A REASON FOR NOT DEFERRING PAYMENTS..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I submitted a request for loan modification on XX/XX/2020. I was advised of additional documents that I need to submit, and I agreed to submit them within the given timeframe of 30 days. I was about to submit the additional documents they require from me, when I found out that they have already closed my application, wherein it hasn't been 30 days yet.
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : XXXX XXXX XXXX {$6100.00} -XXXX  # XXXX {$3100.00} -XXXX XXXX XXXX # XXXX {$690.00}