23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Thousands of students were scammed by Sallie MaeXXXX into taking out predatory private loans to attend for profit online schools such as the one I attended, ( your School Here ). 
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 ( Your amount here ) were discharged and my credit repaired. 
I am aware that XXXXSallie Mae was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie MaeXXXX 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 XXXXSallie Mae , 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. 
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! 

Link to XXXX XXXX Letter 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

I have called on multiple occasions to verify the account is closed. I have been told it was processed and received an email stating this. The company XXXX XXXX opened a loan in my name that was funded with over XXXX  and I NEVER moved forward with the project. They did NOTHING to my home and I never met with them after the first sales appointment. I contacted XXXX XXXX  MULTIPLE times and was told I had to speak directly with the sales person who placed the order in order to have it closed. I texted, called, left voicemails to no avail. He refused to call me back. I called XXXXXXXX XXXX XXXXXXXX who funded the loan and they said the only way I could cancel the loan is to have XXXX XXXX cancel it. They refused to help as did XXXX XXXX. In the meantime, my credit tanked XXXX points and shows a balance of XXXX  as owed by me. I have spent hours contacting both of these companies and neither will process the cancellation. I believe this is FRAUD.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block, inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial protection. Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

called experian about trouble getting my credit report online annualcreditreport.com. no option to speak with a live person
Product: Checking or savings account

Hey. 
So I'm having as issue that my account have been deactivated by WISE.COM on XXXX of XX/XX/2023 without any authentic reason. 
I'm using it as a XXXX company. 
And it is registered with my LLC. But suddenly they deactivated my account. And my amount of XXXX was in pending with wise.. 
And they don't even giving me any choice to appeal for my account reactivation. 
I want my account to be reactive so i can peruse my business with it. 
Thanks XXXX XXXX
Product: Debt collection

I lived at the XXXX XXXX XXXX in XXXX, LA for over 10 years. In XX/XX/XXXX I gave XXXX XXXX XXXX  a written notice of my intent to vacate the property on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX gave me my final bill. I inquired at that time if there were any additional information I needed to submit and if there were any anticipated barriers or issues that I need to address. The manger informed me everything was in order and her exact words were, You are good to go. I spoke with the manager again on XX/XX/XXXX to TRUST BUT VERITY to ensure there were no anticipated barriers or issues relating to my XX/XX/XXXX move out date, and the managers response to me exactly was We already got your apartment rented. 
On XX/XX/XXXX, the military moved me out of XXXX XXXX XXXX to XXXX, FL, where I am still residing. I never received any further correspondence or telephone calls from XXXX XXXX XXXX after vacating the property. But in XX/XX/XXXX, well after I moved out of the XXXX XXXX XXXX, I noticed a collection account on my credit report from RENTDEBT AUTOMATED COLLECTIONS, on behalf of XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX to speak to management, since I had lived there for over 10 years, to ascertain why this collection account was on my credit report. I was informed that the property manager was busy and would return my call later. I never received a return call from the property manager. Instead of receiving a call from the XXXX XXXX XXXX  property manager, I received a call from RENTDEBT COLLECTIONS. I told the RENTDEBT COLLECTIONS representative that THIS IS NOT MY DEBT and requested to receive correspondence via the U.S. Postal System regarding the collections account, as this collection account was placed on my credit report without my knowledge. I did not receive any correspondence from RENTDEBT COLLECTIONS until three months later XX/XX/XXXX after I contacted CFPB. I believe if not for the CFPB, I would have not received any information about this collection. I have attached copy of my 30 plus day notice to vacate, copy XXXX XXXX and copy of Louisiana Laws Rights of military personnel to terminate lease. 

Thank you in advance for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For You and Experian : I am the victim of a Brutal Criminal and STILL am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance., And know Attaching Files on Your Website is NOT working if only at this time, FTC XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Please remove alleged XXXXXXXX  loan from my name. Loan was returned. Balance is {$0.00}. Remove from credit. Shouldve never been added to credit due to me returning loan before it was disbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed a collection account on my credit report that does not belong to me and was not verified. I have never entered into a contract with XXXX XXXX or any affiliated parties. XXXX XXXX number is XXXX. I requested validation of this debt by requesting the original contract and XXXX XXXX sent me a document that was a proposed treatment plan from a 3rd party that clearly states " This is not a contract to buy ''. I have made XXXX XXXX aware that they did not provide the requested information and demand this collection account be removed at once. The proposed treatment plan is attached.
Product: Credit card or prepaid card

My XXXX credit card account was closed because of some personal hardships. I tried login into my account and they said it was locked due to security to reasons. When I tried to get it unlocked they said it was unable to be unlocked because it was closed. I am now unable to get my current balance and make payments online. This seems predatory and intentional to get consumers to miss payments or make the wrong size payments.
Product: Credit reporting

XXXX, XXXX and Experian have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why XXXX especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On XXXX XXXX, 2016, my credit score with XXXX was XXXX and contained ( 1 ) hard inquiry. On XXXX XXXX, 2016, for whatever reason ( s ), XXXX lowered my score by ( XXXX XXXX points? and added ( XXXX ) hard inquiries to my file? XXXX and Experian did the identical thing. In XXXX, 2016, I filed a complaint against XXXX for the identical conduct and they corrected my record. Sadly, XXXX did not learn much from that complaint, because on XXXX XXXX, 2016, they did the identical thing. This secret altering of my financial records at these XXXX bureaus is adversely affecting my financial security and ability to engage in financial transactions. It has become clear to me that these agencies arbitrarily ( add or delete information to a person 's private records ) without the consumer ever knowing it is being done nor the reason ( s ) why it is being done. You ought to put a STOP to their shenanigans.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  90 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

This company has used my information fraudulent and unauthorized transactions, amounts don't add up and need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

" XXXX XXXX XXXX '' ( XXXX XXXX XXXX ) continues to violate my rights. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate. This is grounds for removal. 

They also violated the law because according to 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 or other personal consumer reports

I am a victim of Identity Theft and I have no knowledge of how this fraudulent activity happens. I also have no one to suspect. These accounts or inquiries reporting on my personal report have no consent or permission to be pulled. Moreover, I have not received any forms of goods, services, or money due to the theft. I would be glad to assist you if you have anything you need to support this fraudulent action. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 

To Whom It May Concern : I would like to sent this complaint to inform you that the following inquiries were not authorized by me. Please delete them. Since I have never given permission for them to inquire about my credit status, they are unauthorized by me. Their continued presence on my credit report constitutes inaccurate information, must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a CashApp XXXX debit card in the mail last week. I called CashApp and they refused to cancel the card and close the fraudulent account. They had no supervisors to speak with and said they ONLY handle these things via email. I refused to give CashApp any more of my personal information to add to a fraudulent account. I did offer to give the the credit card number but they refused. Seems they don't mind supporting fraud, and they found a bank that helps them keep doing this. There are numerous online complaints about others not being able to cancel stolen identity CashApp accounts and debit cards.
Product: Payday loan, title loan, personal loan, or advance loan

am writing to formally lodge a complaint against Affirm , Inc. regarding an issue involving a purchase I made through their service. On [ Insert Date ], I placed an order via the Affirm platform to make a purchase at XXXX XXXX. I made a deposit to load funds onto an Affirm card, which was processed by Affirm, and I was subsequently charged for the full amount of the intended purchase. However, upon contacting XXXX XXXX to verify the order, I was informed that they have no record of any order being placed. 

Affirm has acknowledged the issue but has stated that it will take over a week to refund my money. This is unacceptable and unethical, as they are essentially holding my money without fulfilling the purchase or providing timely resolution. My expectation was for Affirm to ensure seamless transaction processing, and this failure has caused significant inconvenience and frustration. I am concerned that this practice may be more widespread and could affect other customers.

Affirm 's handling of my money without providing the service promised is a clear violation of consumer protection laws, including the Federal Trade Commission ( FTC ) Act, which prohibits deceptive or unfair business practices. Moreover, similar cases have surfaced where Affirm has been sued for poor business practices regarding refunds and order processing. For instance, in Doe v. Affirm , Inc., it was ruled that holding onto consumers ' money without providing the services as promised constitutes an unethical business practice, violating both the FTC Act and local consumer protection laws.

In addition, Affirm has been involved in other class-action lawsuits, such as Smith v. Affirm , Inc. , where plaintiffs won cases concerning delayed refunds and issues related to mismanagement of customer funds. These precedents highlight the unlawful nature of Affirms practices and their potential for widespread harm.

I am requesting the following actions from Affirm : An immediate refund of the amount charged for the failed XXXX XXXX purchase. 
A review of their current refund and processing practices to prevent similar issues for other consumers. 
Written assurance that this issue will be fully resolved without delay. 
If Affirm fails to address this matter in a timely and satisfactory manner, I am prepared to escalate this complaint to the appropriate legal authorities, including the FTC, to investigate the legality of their practices. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

Received a letter in the mail from " Convergent Outsourcing Inc. '' They state they are collecting a debt from XXXX. This appears to be a scam due to the fact that I have not used XXXX for many years. Additionally, I have seen numerous complaints about this company online. They say that I owe {$490.00}, but I can reduce the balance by XXXX % if I pay {$240.00} now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 7. XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX 9. XXXX Account Number : XXXX 10. Account Number : XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). Despite my numerous written disputes, Equifax has failed to properly investigate and correct inaccuracies on my credit report as required by law, specifically under : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681s-2 : Failure of furnishers to provide accurate information.

15 U.S.C. 1681i ( 5 ) : Failure to conduct proper reinvestigations of disputed information.

15 U.S.C. 1681c ( c ) : Retaining adverse information beyond permissible timeframes. 
I have sent multiple letters ( attached ) to Equifax outlining specific inaccuracies on my credit report. Despite my evidence and their legal obligation to investigate and correct errors, they have either failed to respond adequately or refused to comply with FCRA standards. 
I recently learned about the CFPBs enforcement action against Equifax, where they were fined {$15.00} XXXX for improper investigations of credit reporting errors. My experience aligns with the issues raised in that lawsuit, as XXXX handling of my disputes appears negligent and unlawful. 
This has caused me significant harm, including : Lowered credit scores, limiting my ability to obtain credit or secure favorable terms. 
Emotional distress from dealing with these ongoing issues. I sent letters on XX/XX/year> XX/XX/year>, XX/XX/year>, XX/XX/year> Along with online disputes as well. This has hurt my family and I for being able to get housing and credit to live
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX -BALANCE- {$390.00} Account Name : XXXX XXXX XXXXXXXX -BALANCE- {$9400.00} Account Name : XXXX XXXX # XXXX -BALANCE- {$21000.00} Unauthorized inquiries XXXXXXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

I took out a title loan from title max a few times over the last cpl.years and although very expensive, I always managed to repay it in full. This last time, I became unemployed and struggled with the monthly payments, staying about a month passed due and then in XXXX XXXX, I became two mths passed due primarily bc of the holidays and having to have stuff for my child 's XXXX. I always sent money to my loan even if it was only XXXX amounts. I had always finished paying off my loans in the past with my tax return. I was planning to do that this year too and they came and got it in XXXX. Left to take my daughter to school one morning and it was gone! I received a letter in the mail that it was sold at auction on XX/XX/XXXX for {$1700.00}. 
What's particularly odd is I initially took out the loan in XX/XX/XXXX for {$4000.00}. The amount still due on the account prior to them auctioning the car was XXXX STILL! Meaning none of the monies they received from me in XXXX went to the principal and it was approximately XXXX per month. Also, the inside of the car has my child 's car seat in it as well as other belongings of ours. Not once did anyone call me from titlemax. Not before or after the car was repossessed.