23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Thousands of students were scammed by XXXX into taking out predatory private loans to attend for XXXX XXXX XXXX such as the one I attended, The XXXX  XXXX XXXX XXXX. As a matter of fact, The XXXX  XXXX XXXX XXXX was investigated by Senator XXXX XXXX. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as The XXXX  XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against The XXXX  XXXX XXXX XXXX, and my Fed. loans of {$14000.00} should be discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
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 XXXXXXXX XXXX. These private loans with a high risk of default were part of a package deal offered to " XXXX XXXX XXXX XXXX ''. 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 150 for XXXX XXXX XXXX  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 XXXX 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. Senator XXXX XXXX has sent a letter to XXXXXXXX XXXX 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. 

Because my private loans originated with XXXX, my MOHELAXXXX student loans should also be discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020 I sent a the same letter twice to each bureau about inaccurate and unknown inquiries and other information on my credit report. It's been over 60 days and I have not heard back from anyone yet. I am suppose to receive some sort of response in 30 days after an investigation. I thought maybe the letter was lost in the mail so I sent it in again certified mail to make sure each company received my letter. I did my research and this is a violation of of FCRA, as a consumer I should not have to deal with this. I just found out my information has been impacted by the XXXX data breach and I am doing my best to remain calm in this situation and not stress about the unknown things on my credit report. Please act fast before this become a legal matter. Thank You
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I possess no information on them, and the company acted without my authorization.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the accounts below : 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
Product: Debt collection

Multiple phone calls received from   XXXX   XXXX   XXXX   stating that we owed {$150.00} some dollars to   XXXX   XXXX   and that they were going to be filing a lawsuit against us. Phone calls started   X/X/17 ,  continued   XX/XX/XXXX  &    XX/XX/XXXX  unt il I informed them that I knew what they were doing was a scam and that I would be reporting them to the FTC / CFPB. We have not received a call since then. We owe nothing to  XXXX , never have. I have no idea how they got our name / number.
Product: Mortgage

Received numerous emails and mail from Chase about " now '' being a good time to refinance. We wanted siding and a new roof for our house and I called my contractor to my house for a quote in XXXX ( {$23000.00} ). We purchased the home in XXXX and it appraised for {$100000.00}. We did a refinance in XX/XX/XXXX and it appraised for {$110000.00}. Used Chase 's home value " tool '' and it brought back a value of {$110000.00}. I told the mortgage rep at the time we applied for the refinance, I was using their " tool '' as a basis for coming up with a final home value of {$110000.00} ( just to play it safe ). So the new mortgage would pay off the existing one and give us back $ XXXX for siding/roof ( and {$7000.00} " closing costs '' ). I paid the " good faith funds '' of {$500.00} on XX/XX/XXXX. Their appraisal was done beginning of XXXX and on XX/XX/XXXX, I received word from Chase that my home only appraised at $ XXXX. I was in disbelief. Their appraiser had in his report that " no upgrades done since home was purchased '', even though I had 9 windows and 2 patio doors replaced! When I questioned Chase about this, they told me to look into home sales in my area to find higher comps! I asked for my {$500.00} back since I was told I would get the funds returned if the mortgage did not go through. This is a deceptive practice!
Product: Debt collection

In  XXXX    XXXX   I became ill and my brother took me to his home to care for me. He inquired as to what it would take to buy me out of my lease, They told us {$1400.00}, a 30 day notice and current months rent. I seemed to recover enough to go home at the end of  XXXX ,   XXXX  . But shortly after returning home I had a relapse and my brother decided I needed to move in with him and  XXXX  my sister in-law, so I could be cared for around the clock. On  XXXX   XXXX ,   XXXX    XXXX  and I went to the apartment  manager  and took them the {$1400.00}, the 30 day notice, and  XXXX  rent. The woman in the office said she could take the 30 day notice and  XXXX  's rent, but explained I had to come back to talk to the manager. On  XXXX   XXXX ,   XXXX   my caregiver  XXXX  and I went back to give th e manager the {$1400.00} I had to stay in the car due to my illness. The manage  XXXX  proceeded to tell  XXXX  that because I did n't give the {$1400.00} when I turned in the 30 day notice I would owe for  XXXX  also.  XXXX  explained that we tried to turn it in on  XXXX   XXXX  but they refused it. I do n't owe them anything I did what I was told and they took the money the notice and the current rent. I have been fighting I.  Q. Da ta ever since. I do not owe them {$880.00}. Because of this I  may  have lost a wonderful opportunity for me to get a nice apartment close to my family but still live independently.
Product: Debt collection

I am writing to formally dispute several fraudulent accounts that have appeared on my credit report. Upon reviewing my credit history, I discovered unauthorized accounts opened in my name without my knowledge or consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For over XXXX years, debt collections appears on my report. I have no idea how i loaned money that I 've never seen. These loan companies eventually kept throwing the account into debt collectors which keep harassing me with phone calls during my duty. The debt collectors appear to throw my account into other debt collectors. I reported identity theft to the IRS and they gave me a pin for tax purpose. I disputed online with no resolve. I 'm also looking through information on where I worked, I never worked for XXXX. In addition, I stopped working for XXXX XXXX several years ago. The home address is also incorrect. I live on-post in an XXXX base, in XXXX. Before that I was stationed in XXXX. Why am I being attacked for being a victim of identity theft? Is n't the SCRA and FDCPA exist to protect consumers?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX I was looking at my bank account and I saw a transaction for- XXXX another one for XXXX and another one for another-XXXX  XXXX all within the same minute I called immediately to tell my bank they said they can not do anything until the transactions went through then they could do a dispute. I said, declined them! why would you wait until somebody could steal my money! dont let them steal my money! they said, Im sorry its policy to let it go through then we can start a dispute so I had them cancel my card I changed all my passwords and everything so I felt safe again. 
On XXXX transferred more money from my XXXX XXXX XXXX XXXX to my account in the amount of XXXX, {$200.00}, XXXX like I have been doing because I was raising money to fix my vehicle so that I could go to my XXXX for XXXX in XXXX in XXXX instead those also showed negative-XXXX  XXXX. XXXX even though my bank card had been canceled and they also said the same thing, I called immediately they said wowww, exact words, how did this happen when your card is clearly been turn off and compromised, we know this for sure. Then again tells me that they would have to wait for it to go through to start another dispute. 
I told them I have the receipts from XXXX XXXX stating it went into my bank, it never showed that it went into my bank account, only that it came out .you will see Im going to attach my account number and the transactions that came out of my account I found this company very fishy when you dont decline a theft of money to protect the consumer and they are not putting my money back I need Helprin get my money back asasp
Product: Mortgage

I had a client who received a trial loan modification. She signed the paperwork in XXXX and was advised the XXXX payment would be due on XXXX XXXX, 2015. ( XXXX ) This agreement did not advise her not to pay the XXXX payment, so she made her regular XXXX payment since the trial agreement said it did n't start till XXXX XXXX. XXXX XXXX never received a phone call or letter advising her since she made the XXXX payment she broke the agreement and she would have to start the process all over again. There are no notes to myself either in the Hope Loan Portal regarding this situation. XXXX XXXX had already made the XXXX payment prior to signing the trial mod that had to be sent back to Chase before the XXXX XXXX deadline. XXXX XXXX notified me on XXXX XXXX that she had received a trial loan modification paperwork ; however, XXXX XXXX again had already mailed her XXXX payment since it was due on XXXX XXXX. So there was no way she could have not had the payment go to Chase. How can this be justified as breaking the trial mod agreement if it did n't even start till XXXX XXXX, 2015. There is a note in HLP stating that she had been approved for FHA Hamp on XXXX XXXX ; however, she did not receive the paperwork until XXXX XXXX, and again she had already mailed out her XXXX Payment ...
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have a few addresses on my report that are not mine and I need removed from my credit report. I need my current and accurate information to show on my credit report. The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Most accounts are changed off they need to be taking off also all the unclarified why all those hard hits are on my credit I have not done them
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Sentry Credit Inc for multiple violations of federal laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Telephone Consumer Protection Act ( TCPA ). These violations have occurred in the context of their attempts to contact me regarding an alleged debt without any documented contractual agreement between myself and Sentry Credit Inc.

Failure to Furnish a Contract under the FCRA : Sentry Credit Inc has not provided any contractual documentation directly between their company and myself, as the consumer, which is a direct violation of the FCRA. Under Section 609 ( a ) ( 1 ) of the FCRA, consumers have the right to request and receive information pertaining to the existence of any contract that binds them to a debt. Despite my repeated requests, Sentry Credit Inc has failed to furnish any such documentation.

Violation of the FCRA : Sentry Credit Inc has also failed to comply with the FCRA in their reporting practices. They have continued to report alleged debt information to consumer reporting agencies without providing the necessary validation of the debt, which is a clear violation of Section 623 of the FCRA. The inaccurate and unverified reporting has had a detrimental impact on my credit score and financial well-being.

TCPA Violations : Sentry Credit Inc has called my personal cell phone on two separate occasions, despite my number being registered on the Federal National Do Not Call List since XX/XX/2009. This action directly violates the TCPA, which protects consumers from unwanted calls made by third parties without obtaining prior express written consent. Sentry Credit Inc has failed to obtain any such consent before contacting me, demonstrating a blatant disregard for the law. 

Illegal Telemarketing Practices : In both instances, Sentry Credit Inc engaged in what can only be described as illegal telemarketing practices. These actions not only violate the TCPA but also show a complete lack of respect for consumer rights and privacy.

I have made several attempts to resolve these issues directly with Sentry Credit Inc, but their failure to respond or address these concerns has left me with no other option but to file this formal complaint with your agency. I kindly request that the Consumer Financial Protection Bureau investigates these violations thoroughly and takes appropriate action to ensure that Sentry Credit Inc is held accountable for their actions.

Please let me know if any additional information or documentation is required to support this complaint. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XXXX of last year ( XXXX ) due to my other car being totaled in water damage. At the time I was able to manage the payment but as time progressed on my funds became limited and I could not afford that high of a car payment and still take care of my family. I eventually started making payments, not full payments. But payments to the point it would look like I was trying to work the balance down. A few months later I decided to try and get out of the car because it was to high of a payment for the size car and had and I was not satisfied with it. Did n't feel comfortable paying for a car that was n't suiting me and my family. 
I contact Chrysler Capital and told them I wanted to do a voluntary repossession because I was unable to maintain the car payments at that time. This was in XX/XX/XXXX. They at that point decided to tell me they could put my current balance due on the end of my loan to help me get caught up and be current on the loan. But I declined, cause the problem would still be there. So we processed the voluntarily repossession. I was told that they would sell the vehicle by XX/XX/XXXX and I would be responsible for the remaining balance. Which I okayed because I figured the care would be sold for the most of what was owed since it was still new and had very little miles on it. 
What I was not told was that if I failed to pay the difference it would still accumulate late fees, more payments, and affect my credit. When I surrendered the vehicle, I new that I had a balance left that was roughly {$800.00}. Which was about a payment and XXXX behind. I was not under the impression that they would report negative information to the credit bureaus like I still own the vehicle and was just refusing to pay. My monthly payments for this loan was {$470.00}. When they sold the car in XXXX the balance left was {$8600.00}. Ever since then they have been reporting negative information to my credit report such as a refusal to pay and accumulate monthly charges as if I own this vehicle. They have not called or sent any communication through the mail to me to try and settle this debt to a point where we both are satisfied. If a settlement offer does come around, I will not agree to no more than what debt I left unpaid when the car was picked up.
Product: Credit reporting or other personal consumer reports

I requested to have the accounts on my credit report. I requested to see verifiable proof on the accounts. I did not receive the copy of the verifiable proof, but the accounts were in a verified status. This request was made in XXXX and I have yet to receive the copy of the verifiable proof that was requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I'm writing to you regarding discrepancies I have found on my credit report. Why is this account by XXXX XXXX being reported with only XXXX credit bureau. It needs to be DELETED for INACCURACY According to FCRA : 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITED AT DISPUTE THAT THIS ACCOUNT WAS FRAUD AND UNLOADING THE FTC REPORT AND A BASED VERIFCATION WAS DONE AND NOTHING WAS GIVING TO ME ON WHAT WAS PROVIDED ALL THEY SAID WAS THEY NOTHING THEY CAN DO THET THE CREDITOR ON CONTRAL ON WHAT GET DELETED ON WHAT STAY ON SO HOW IS THAT PROTACTING US FROM FRAUD
Product: Credit reporting or other personal consumer reports

I requested information regarding the account XXXX XXXX and have not received anything. 

Please have this company upload the following documentation : Last XXXX months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E., allocation of payment.
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. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Debt collection

I contacted National Credit Systems to verify a debt. They have not given me any information on this debt. While I did stay at XXXX XXXX XXXX, under MO law the landlord has 30 days to send you an itemize report of deductions and damages ( Missouri Annotated Statutes XXXX ). This was not done and the credit agency can not furnish any information in regards to the damages and cost.
Product: Checking or savings account

Chase bank held one cashier check for 10 days and this cashier check is on my business name, I called them several times and spoke to the branch vice president, spoke few times on the phone with there funding department but they would not release my funds, since they are holding my funds I am paying a hefty price, I am losing money since they are not releasing my funds, I told my client to pay me the cashier check so the funds will be clear sooner, This cashier check was from XXXX XXXX, Chase Bank withdrew from XXXX XXXX the funds the very next day but kept on hold for 10 days and no satisfactory answer