23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the U.S. Department of LaborXXXX through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX  XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor i n me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the XXXX XXXX XXXX XXXXXXXX through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXX Networking. XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor in me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. Department of EducationXXXXXXXX forgive debt of {$33000.00} as XXXX XXXX XXXX took advantage of me which resulted to predatory lending practices.
Product: Debt collection

CBE has been trying to collect a debt that they have not been able to shows as a valid debt. The debt is from XXXX XXXX XXXX, and I have asked repeatedly for what the debt was for. CBE repeatedly has sent a old statement from XXXX with no detail explaining the charge. I was not living in the property where the charge occurred at the time of the charge, and I truly doubt the charge is valid. CBE has made XXXX previous attempts to collect this amount over the last 3 years has never been able to produce the details of the charge - the charges are considered invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using XXXX XXXX, I never used the card when I received it, I don't remember my wet signature on any of their documents, XXXX never loaned me any money or legal tender, I didn't authorize XXXX to access my credit report, I don't understand how I'm liable for any debt with XXXX. Under the law, only Congress can issue legal tender, and XXXX XXXX relieved me from debt, since it's public.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$120.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX XXXXBalance : {$1400.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$790.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} 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 card

They said once they received a letter from the bank that there was a typo on giving me my new account number that they would reopen my account but they never did!!
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that AMERICOLLECT INC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Checking or savings account

I received a notice on XXXX XX/XX/2022 that Chase was closing all 6 of my military business checking accounts. I was told one of the accounts was overdraft and to make a cash deposit to make it current. I made the account current but chase still closed all my accounts. They could not provide me a reason and told me I had a lifetime ban.
Product: Student loan

Mohela, service lender, has not met the 90 day promise to process PSLF application.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been months since i disputed these item and they still haven't been removed, these items are harming my finance and making my life a reck. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars every year. I also feel they credit bureaus and the creditor didn't take my dispute serious and fail to address my concerns. Under US code 1681b-permissible purpose of consumer reports i never gave you the written consent to report anything on my credit report, no consent is identity theft and you can be held civil liable.
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I had late payments on my account from XX/XX/2019 to XX/XX/2019. I did a modification which started XX/XX/2019. I was told no late payment would be reported. I have tried very hard to work with XXXX XXXX and the credit bureaus. I have gotten nowhere. I am looking for someone to assist me with getting this resolved.
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding EQUIFAX refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Amount : XXXX I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Being charged for a XXXX debt on the other side of the country.
Product: Credit card or prepaid card

I had approximately 10 store credit cards backed by comenity bank in the last 3 years. For each one, I requested SCRA benefits due to being a legal resident of a key provision state which extends 6 % interest cap despite accounts being opened after joining XXXX XXXX service. I have asked for denial in writing, was declined. I sent messages and made numerous phone calls. Comenity bank does not have federal sovereignty therefore they are violating federal law in the overcharge of interest to military members who are legal residents of key provision states. Request written explanation of why comenity bank doesnt have to follow federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 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 XXXXXXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax is reporting my balance due as {$4700.00}. I told them that its incorrect. Also the representative read me an incorrect address which I asked her to fix, she refused.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern : Ive attached my passport and proof of address TransUnion has failed to conduct a thorough investigation into the accuracy regarding the XXXX Account. 


I had to placed an extended fraud alert on my file recently. Attached are recent photos of the attacks. Massive inquiries. 


XX/XX/XXXX I submitted a dispute regarding the accuracy of the account. During that period, I informed TransUnion that the account status, balance and other information was incorrect. 

TransUnion responded with the information being verified. 

Yet, XXXX was allowed to recently further damage my credit report, after they settled the account back on XX/XX/XXXX. 

In order to get this fraudulent account settled, a payment of approximately {$1200.00} was made in XX/XX/XXXX to settle and remove the XXXX old account. Yet it never happened. I filed the dispute with TransUnion, and they verified the information as correct and valid. 

see attached letter Attached is a letter from XXXX confirming that they reported information incorrectly by not updating file correctly. 

I quote : Our records show we were contacted by you on XX/XX/XXXX, by telephone requesting to settle the account for less than the amount owed. We agreed to settle the account for a onetime payment of {$1200.00}. We received the settlement payment the same day as the call. 
Typically, the settlement is processed after we receive the settlement payment. We apologize for the delay, in finalizing the settlement agreement. The enclosed payment history shows we waived the remaining account balance on XX/XX/XXXX, finalizing the settlement, closing the account. 

A whole year TransUnion reported false inaccurate information. See attached Please delete this account See attached XXXX, And XXXX have deleted this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 5 certified letters to Experian, which were accepted by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX requesting all the information in my credit file and anything in my file that was incomplete or unverified either needed to be completed, corrected or deleted. they have done none of the things as required by law under the free credit reporting act. there is an account that they are reporting as open that has been closed for over 2 years. there are multiple accounts on my report that are missing payments. I asked that these payments be verified and added or delete the file, this has also not happened through repeated inquiries.
Product: Debt collection

In XXXX I closed the account and made payments for a year plus but the interest kept increasing the balance and the company refused to assist with the problem. I was unaware that I had other recourse. The company refrained from sending notices. I ran into hardship during corna virus as I contracted the virus and was laid off from my job in XXXX. I have a new job from XX/XX/XXXX until now. 

Without notification Capital took my debt to court and have now sent garnishment paperwork to my new job.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. Please help me to delete these illegal accounts from my credit reports. 

Account name : XXXX XXXX XXXX Account number : XXXX
Product: Student loan

It was that me and my mother co-singed the loan for me, my mother filled for Bankruptcy and because this was filled under the bankruptcy, it was suppose to be forgiven. Navient is the servicing company. We paid the loan thru XX/XX/2018 and after this I was not able to make the large amount of payments. I could only pay $ XXXX   month for two loans, so I contacted the servicing company, and  they told me they can help me. But it's has been nothing but a problem. We received a letter telling us that they are willing to help but are not will to help overtime we call to discus the help. At this time there are forcing us to pay what they want us to pay, I live on my own and with what I am making an hour, I can't ever support myself with what I pay now for my bills and rent. Please help. I will be looking in to hireling and attorney at this point since Navient is not willing to help. My mother is on XXXX and she is not able to pay more then the total amount me and her {$50.00}, Please help us. thank you. every time you call Navient they threat you that they will put bad review on my and my mothers credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX A XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$92.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Debt collection

This collection was removed from my credit and now, after 6 months, it has been put back on. The collection agency is showing opened XX/XX/XXXX and they are not showing a date of last activity with XXXX XXXX in XXXX XXXX, XXXX. This medical debt is from XX/XX/XXXX and they are showing it was turned opened XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was trying a purchase a handbag on an application " XXXX '' which is XXXX $ .We contact by mobile texting. The seller said in order to waive the selling fee of XXXX, she suggest me to send her money through XXXX, so the price will be cheaper, which will be XXXX . I pay her XXXX $ on XXXX as reserved fee and begin send her money via XXXX of my bank - PNC. I send her XXXX $ total in two days ( XXXX $ on XX/XX/XXXX and XXXX $ + XXXX $ on XX/XX/XXXX ) via XXXX and XXXX $ via XXXX ( on XX/XX/XXXX ). After I finished all my transactions, She begin to claim that she never receive that XXXX $ fund. But after I called customer service, the agent said it is already completed. What made me find out she is a scammer and I start to file disputes and make police report. The XXXX $ reserved fee is covered by XXXX and that XXXX $ through XXXX charged back via dispute successfully. But neither police, PNC, or XXXX  willing to help on that XXXX $ transaction. My bank denied those 3 disputes without asking further documentation and police said they can't file a out-of-state criminal charge. That scammer is still selling bags on XXXX. I tried to contact her to send me XXXX $ back and she said she will do it but til now, I still get noting. I do have few more screen shot of our whole texting, but it's too large to be upload. So I choice 3 pictures of transactions and a business card of the police including the report #.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX  XXXX XXXX : {$2100.00} XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have addressed this dispute on XX/XX/1925 with XXXX, Transunion, XXXX and to no avail neither have resolved this after receiving my documents. Which is why I'm attaching this complaint as told by the credit bureas
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX.