23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received back in XX/XX/XXXX from the Departure of Education notifing me that I have been approved for debt relief under the XXXX XXXX XXXX This is part of the XXXX XXXX commitment to delivering relief to borrowers whose schools engaged in unlawful conduct. 

The U.S. Department of Education ( ED ) has determined that the federal student loan ( s ) you received to attend XXXX XXXX XXXXXXXX on or after XXXX XXXX, XXXX, and on or before XXXX XXXX, XXXX, are eligible for a full discharge. This means the remaining balance on the eligible loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ).

Your loan ( s ) will be discharged based on an ED finding that XXXX XXXX XXXXXXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at the Art Institutes from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections XXXX XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by XXXX XXXX  XXXX, ED has determined that it is appropriate to discharge the loans made to all students who attended XXXX XXXXXXXX XXXX during the time period described above. 

I reached to Navient for assistance to get my private student loan discharged under the School misconduct discharge application. They reply with a letter denied to provide me the application because my type of loan ( direct customer ) doesn't not meet the criteria.
Product: Checking or savings account

PNC Bank - deceptive business practices I opened an account in early 2020 to take advantage of a promotion they were running. Per the agreement, my biweekly pay was deposited in the account and I satisfied the requirements to receive the promotion. 

Over the months that I had the account I found myself dissatisfied with functionality and ease of use with things as basic as transferring money. I then began to notice a monthly maintenance fee, which I do not recall seeing in the initial account disclosures, though I am sure it was. I never requested a fee credit, but it left a bad taste in my mouth. 

Ultimately, I decided to close the account in favor of my local credit union. When I called to close, I asked about fees and none were disclosed. Upon receiving my final distribution from the account, I noticed that it was less than I expected by {$25.00}. I called my local branch and was advised that an account closure fee applied because I had closed it within 6 months of opening the account. I explained that I had not been made aware of said fee, but the branch employee advised that she was sorry but there was nothing that could be done. 

Fast forward a couple of weeks and a PNC employee called me to discuss the situation. She was from the Executive Client Relations team and asked what she could do. I again explained that I do not believe it's right to hide the fee when I requested the account closure, and she said she would review the call. Today, I received a call stating that she was sorry that the fee was not disclosed when I called, but it was in the initial account disclosure, so have a good day. 

It is a deceptive practice to hide fees, regardless of whether it was in the 50 pages of fine print I received when I opened the account 5.5 months earlier. PNC should have disclosed this and given me the option to keep the account open for a couple more weeks had I desired to do so. This is a symptom of poor internal controls and a lack of consideration for their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$5500.00}, XXXX XXXX Balance Owed : {$14000.00}, XXXX  XX/XX/2022, XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

Incorrect personal names on my credit report. Filed a dispute online to update the spelling of my name. XXXX Incorrect account balances on my report that I disputed as inaccurate. XXXX Inaccurate inquiries that I did not authorize.
Product: Credit reporting or other personal consumer reports

In 2020, I made a purchase of a jackpot with the financing provider of XXXX XXXX XXXX, in which due to the COVID19 pandemic, I was affected by not being able to pay the fees of that jackpot.

This account was then paid in full along with the outstanding interest and when I call the agency request that please this negative account that appears to me as a collection in my credit report, request that it please be modified or deleted since it negatively affects my report but the company as such does not affect it.

I understand that the accounts can take several years to reflect but the information they provide to the transunion company is inaccurate and incomplete so I kindly ask that it be corrected and deleted from my report.
Product: Credit reporting or other personal consumer reports

Checkr has unfairly delayed the return of my background check over information they already collected prior to the last time I lived in Kansas. Their excuse is the data breach in Kansas that occurred XX/XX/XXXX, but ironically I had to file a complaint about this same issue back in XXXX and their excuse was the same. Either checkr needs to better their process, or the state of Kansas needs to reactivate their electronic reporting. Its ridiculous in 2024 for a states electronic system to be reporting failur from XXXX through late XXXX. Its very clear that Kansas does not care how this affects people in the workforce, but its violating my rights under the 14 th amendment at this point as I can not work in another state due to Kansas antiquated manual reporting practices that are a direct result of the states negligence in repairing systems after their XX/XX/XXXX breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act convergent Accounts CREDITOR / COLLECTOR : XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX XXXX : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 



CREDITOR / COLLECTOR : XXXX XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX XXXX XXXX Account:XXXX  : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX Account:XXXX : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX XXXX Account:XXXX : BALANCE : {$310.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 


The Credit bureaus stated that my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is accurate. This ground for removal the also violated my rights under 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. 

Also the Credit bureaus took more than 30 days to complete my investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX To Whom It May Concern : I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate. 

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/XXXX Please remove any other dates or years you have listed. 

Please REMOVE ALL EMPLOYERS that you have listed as they are inaccurate. 

Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Date of Birth : XX/XX/XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX Enclosed : Photo ID, Proof of XXXX, Proof of Address
Product: Credit reporting

The bankruptcy reporting has several inaccuracies. Reference Number XXXX. I do not know the source of their information on this bankruptcy and because of the Equifax has violated the Fair Credit reporting Act. I am requesting the removal of the bankruptcy.
Product: Credit reporting or other personal consumer reports

I called this company when I first saw this on my report some years ago and told them I never had this account. I also disputed this company. I didn't see this until recently and I disputed this company again. This is not my account. 

I also had some identity theft and I have a XXXX police report number # XXXX
Product: Debt collection

On XX/XX/2021 i sent AFNI a letter by certified mail stateing that i had no knowledge of the debt that they were asking me to submit for me to pay. I have never had no accounts with XXXX XXXX XXXX  ever. And for a 3rd party company to reach out and constantly harassed me by mail and phone has be totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/1980 To Whom it XXXX concern, I recently challenged the validity of XXXX XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 
Best Regards, I have attached my ID to this letter.
Product: Checking or savings account

I am a victim of job scam but also a victim of Chase deposit department. A company ( scammers ) asked me to deposit a check of {$2200.00} ( then later another check of {$3000.00} ) to my account and Chase cleared the check and money was available so I made XXXX different XXXX payment. I believed the check was legitimate because money was available to withdraw. {$2200.00} was clearly deposited into my account. I as a customer believed Chase. Chase should have not cleared the check if the check was altered or fraudulent because chase did not clear the XXXX check ( {$3000.00} ) Chase then found out a few days later the check was altered and took the {$2200.00} out of my account and also charges me {$12.00} for altered check. Chase should have not cleared the check at the first time. I as a customer believed that the check was legitimate I had no idea the checks were fraud!! Why did Chase clear the deposit and money was available. I would not made XXXX payments to scammers if chase did not clear my deposit. If chase found it earlier if check was altered. I lost money to scammers but I think I lost it to Chase not scammers. Chase should have not deposit my check. Chase should have found out the check was altered I could have prevented the scammers if Chase did not clear the check like the XXXX check i am a victim of scammers and Chase deposit department.
Product: Credit card

We are looking for your assistance in getting Chase Card Services to sign and return an affidavit.We are not asking Chase Card Services to do anything other than return the affidavit, which I have attached to this complaint. 

On XX/XX/2022 my bank issued a XXXX XXXX check on my behalf to Chase Card Services in the amount of {$2500.00}. 

On XX/XX/2022 I noticed I had a late fee on my Chase Card Services account. I contacted both my bank and Chase Card Services. It was determined the check had been intercepted by an unintended party and endorsed on XX/XX/2022. I obtained a copy ( front and back ) of said check from my bank and presented it to my local Chase Bank branch as directed. A copy of the check was also submitted to Chase Card Services. I have attached a copy of this check. 

After some research, Chase Card Services confirmed they did not receive or cash this check, but have been unwilling to sign the affidavit acknowledging they did not receive the payment.The bank where this check was deposited requires the affidavit be signed by the intended party to whom the check is made payable, which in this case is Chase Card Services. Once the affidavit is signed and returned by Chase Card Services this will allow my bank to dispute the transaction so that I may receive credit for this payment. 

We are contacting you as a last resort, as we have made numerous three-way calls between myself, my bank, and Chase Card Services to get this matter resolved. Chase Card Services has been unwilling to sign the affidavit. This process has been going on for eighteen months and I feel this matter should have been resolved by this time.
Product: Debt collection

MRS BPO IS REPORTING A DEBT IN THE AMOUNT OF {$3700.00}. THIS ACCOUNT IS UNVERIFIED, INACCURATE AND A VIOLATION OF THE FCRA AND THE FDCPA. THE ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT FOR SOME TIME. IF THIS ACCOUNT IS STILL REPORTING 7 DAYS FROM TODAY, I WILL BE SEEKING LEGAL ACTION AGAINST MRS BPO BECAUSE THEY ARE THE COMPANY REPORTING THE ACCOUNT. EVEN IF YOU ARE CONTRACTED OR HIRED TO COLLECT FOR ANOTHER COMPANY, I WILL BE SEEKING COMPENSATION, PUNITIVE AND STATUTORY DAMAGES UNDER THE FCRA AND THE FDCPA FOR EVERY VIOLATION AND FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT FROM MRS BPO BECAUSE YOU ARE THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. DELETE IMMEDIATELY, OR ELSE.
Product: Debt collection

XXXX XXXX XXXX had a valid claim to a debt that I owed. However, they decided to initiate action during a federally declared state of emergency and disaster. Businesses were closed, communication and travel were extremely restricted. And, I, being self-employed, had no relief or any type of compensation. Whereas the rest of America seem to be getting triple unemployment benefits, I had to suffer. 
I communicated with XXXX XXXX about the debt and my intentions to pay and stay in good standings. I contacted them in XXXX at least once and XXXX on two occasions also called them in XXXX I believe it was on the XXXX to explain that I would have payment by XX/XX/XXXX. They explained that they were happy that I was able to make that payment and just to give them a call when I made it so that they could be on the lookout. They then arrived at my home and in the wee hours of the morning. Embarrassed me in front of my neighbors and calls me great stress in the fact that I had to stand in the cold and clean out the truck on the spot. 
I would have had it cleaned out had they told me that they were coming to get it. At this point they knew that trucks were bringing a premium price and that they could get as much as they wanted to for it and I believe this is the reason that they repossessed. However this is not truly the issue, though it does pertain to the issue as a whole. 
XXXX XXXX XXXX declared my account as a charge off and therefore XXXX was able to negotiate this item on the p & l tax documents. They were compensated. The dead then became what could be declared as income to me however XXXX decided to send it to a lawyer 's office and he has steadily increased the debt months by month over 3 years of holding the debt. From everything I've read and everything I understand this is not fair nor is this legal. 
If I'm wrong, please show me how I am wrong. 
I have screenshots of the emails The lawyer has sent to me and even offered to settle the account for {$1000.00} as he refused. 
I believe that this taking place during a federally declared state of emergency and disaster and the fact that XXXX sold the truck for a premium at auction should negate any debt that I owe or have owed. 
Please help resolve this situation and help me remove this from my consumer report as I believe this is not covered as a debt or a collection under the 15 USC FCRA.
Product: Checking or savings account

My two direct deposits have not shown in my account. It has been 3 days and CapOne has no answers. They would not provide a provisonal credit while they solved their problem. I am not able to pay my bills.
Product: Debt collection

Subject : Dispute of Incorrect Account Information XXXX XXXX XXXX My name is XXXX XXXX XXXX, I currently reside at XXXX XXXX XXXX, XXXX NY XXXX I am writing to dispute the false inaccurate information on my credit report related to the account with, XXXX XXXX XXXX This account is being inaccurately reported as new, despite my continuous efforts to resolve this issue over the past two years. The account in question is either fraudulent or significantly outdated and should have been removed from my credit report. Additionally, crucial information regarding the account is missing from the report. 
I have no knowledge of this debt, and if I had opened this account, the creditor should have the original contract with my signature, as well as the first transaction and the final one. None of this information is present in my report. 
Additionally, there are discrepancies in the reports. XXXX shows that the account was opened in XX/XX/XXXX, but my first delinquency was in XXXX. On XXXX, it only lists the amount claimed without a date I demand the removal of this fraudulent erroneous account from my credit report and confirmation once the correction has been made. 
Thank you for your prompt attention to this matter. Please contact me at XXXX XXXX XXXX XXXX if you require any further information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX HAS REPORTED PAST DUE PAYMENTS. PRIOR COMPLAINT HAS FAILED TO CORRECT SAME. 
AS A RESULT I AM ATTACHING PROOF OF ALL MY PAYMENTS SINCE REISTATEMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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. 

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