23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To Whom It May Concern, As of XX/XX/2019 I've been actively trying to seek information and resolve the discrepancy with my student loans. I recently XXXX and noticed an error with my subsidized loans. Out of five of my subsidized loans, I've lost subsidy on four. Though, I did not reach my subsidy limit on amount of loan nor time of program completion. 

I reached out to my loan servicer to understand why subsidy was lost and to report the issue. And though I was given reasons why I could've lost subsidy, none were applicable. I was told to contact the Department of Education by by servicer 's customer service. After speaking to the Department of Education, I was told to contact by educational institution. After contacting my institution by phone, I was told to contact my servicer because, " they did not have control over taking away my subsidy, the servicer 's do ''. Again, I contact my servicer, but request to speak to a manager. I am told by a manager from my servicer to contact my school again because, " they do not have control over my subsidy and just go by whatever the school reports. '' I continued to make multiple in person appointments at my school 's financial aid office. Speaking with the financial aid officers we've made claims with both the XXXX and XXXX. Even with verification from the financial aid officer 's manager that the school reported my correct and timely program completion, both departments couldn't figure out how the error occurred. I even asked a financial aid officer if I could please have the email from his manager stating that the school reported my program information correctly, I was told he would asked if he could later on and never sent it. Even after emailing him for any updates, I received no response. 

I've also spoken with two ombudsman ( one from Great Lakes ) that have told me to again contact my institution. I've also tried to contact a XXXX XXXX XXXX XXXX, but was advised to contact my school. Even after in-person appointments at my school, I'd get email updates stating the faculty still didn't understand anything. After numerous visits to my school to get an answer or any type of update, I was sadly told that the more I emailed or made appointments the more I was wasting time because if they, " knew anything, they'd tell me. '' At this point, I am greatly disheartened and have desperately tried anything I could do to resolve the issue. My subsidy has been lost and interest has continued to accrue for 3 years now. It wasn't supposed to even start until XXXX of this year. Every specialist I've contacted agrees there's an issue with my account, yet no one has resolved it or taken accountability. After graduating, I just wanted to pay off my loans to prevent accrual. I took out so many subsidized loans to avoid accrual because I can not afford tuition on my own and as a XXXX XXXX XXXX who has worked multiple jobs to afford schooling ; I just want anyone to hear me and help take better action on this matter. 

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

XXXX XXXX and TransUnion Ive disputed wrong names and social security number and inquires that arent mine they refuse to move them and XXXX XXXX  tricked me into saying I was approved for a card then I applied and my credit score dropped
Product: Credit card or prepaid card

The XXXX credit card financed by synchrony was opened by me XX/XX/XXXX. The account was closed by synchrony in XX/XX/XXXX. I received notice of the closure from a credit monitoring service. I never received notice from the financial company. 

I called synchrony on XX/XX/XXXX. They confirmed that the account was closed with a XXXX balance. When asked why they closed the account it was due to inactivity. When I asked why wasnt I notified of the closure the representative stated that they didnt have a letter for this scenario. 

I was planning on using the account to purchase furniture but hadnt been able to decide on what I wanted and the store near was not taking appointments due to a store remodel. Closing the account without knowledge would mean that I would have to reapply for an account which would adversely impact my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continue to report incorrect information to my credit file. 
1. They have allowed two ( 2 ) collection accounts to be posted with no account name, original creditor and status. If the collection that show a balance of {$1100.00} is a collection, then they have allowed the data furnisher to violate my consumer rights under the FDCPA Regulation F. I do not know who this is and what this is about. 

2. The second account has no information such as account name, original creditor, dollar amount. It clearly show that I have disputed this but it has not been resolved.

3. They have also allowed a student loan with a payment history reporting that is incorrect. I've disputed this account before with no response. I have paid this account off, it was not transferred as indicated under the " comments '' section. 

4. They are allowing to be reported a Dept of Ed account showing as a " Collection '' I do not have any outstanding collection accounts with the Dept of Ed. Please investigate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was reviewing my credit report and noticed an account had been charged off that was not familiar to me. I looked through my Experian updates and saw an account was opened with XXXX XXXX XXXX SIMPLE with a balance of {$4800.00} on XX/XX/XXXX. My credit had been compromised in XXXX of XXXX and I contacted Experian and had fraud protection placed on my account as a result of confirmation I was a victim of identity theft. Somehow someone was still able to open an account in my name in XXXX. The account was charged off on XX/XX/XXXX, for failure to pay. I filed a dispute with Experian on XX/XX/XXXX. They advised on XX/XX/XXXX I needed to settle the dispute with XXXX. I reached out to XXXX  via chat on XX/XX/XXXX. They advised because I was disputing the charges they could not help me. They told me before they could assist me, I needed to file a police report and then send a copy to the fraud department. I contacted XXXX and they advised I could file a report online as I'm out of town. I filed a report and received a copy on XX/XX/XXXX. I submitted that report to XXXX. They responded via email saying because the report was redacted ( my personal information is hidden ) they could not assist me. They said I need to provide an FTC report and a copy of my ID. At this point I feel like they're giving me the run around. I am proceeding with the FTC report which has led me here.Any help you can provide in getting this issue resolved would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX
Product: Debt collection

We got in to a Loan Modification with XXXX XXXX XXXX on property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XXXX XXXX, 2011 for a fix interest rate of 2 % for the remaning of the note. They sold the note to Bayview loan servicing on and now we are charging us 4 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX being reported 30-59 days late as of XXXX XXXX,2018. According to XXXX they have not updated report and when this was placed on the report by Equifax it was a weekend.
Product: Student loan

They do n't offer financing options for my financial situation. I think they look at income and do n't consider expenses. I am working 2 jobs just to pay my rent and they somehow think I can make about {$500.00} For 2 separate loans. My loans continues to be delinquent as I can not afford these paynents. This is a car payment and the interest keeps accumulating. I can not get ahead if I tried. I feel like I will dir with this debt. 

And it continues to affect my credit. I can not get a job making more money because in my industry companies pull your credit report. I feel stuck like a rat on a wheel.
Product: Credit card

On XX/XX/XXXX I filed the first of myriad complaints with you over Barclays. Today its my birthday. To this day, XX/XX/XXXX, Barclays has reported to the CFPB it has closed my account as requested and even said 1 ) it would no longer send me account notices and 2 ) even agreed ( as recorded publicly here ) to refund my full {$99.00} XXXX. This was quite some time ago. I believed they meant it and felt wed received resolution. 

Since they told you this, they have sent two more letters to my home telling me my account is slated to receive some sort of electronic correspondence. Obviously form letters. I actually replied to the first one. I mailed it back, told them to stop and to send me the check. Today ( my mail is sent to me on the road from my permanent address ) I received a rude birthday letter of the same spam. Three weeks ago this was sent and no other correspondence. Obviously Barclays had no intent of mailing a check. I am entitled to at the very least a prorated refund. They stated I would be sent a whole {$99.00} one. Im now leaving the country again in 2.5 weeks and still do not have that money. Im considering small claims action to make the point. 

Id rather them stop lying.
Product: Debt collection

I am receiving SMS debt collection notices from this short code. There is no name attached, no identity confirmation, no addressee, and no method to stop the messages/opt out ability.
Product: Debt collection

On XX/XX/20 at XXXXXXXX XXXX I received a call from am unknown number letting me know that someone has case information for me and that they are trying to locate me. They gave me a number to call and a case number the number is XXXX. When I called, they informed me that there was a case against me regarding an unpaid debt. They made themselces sound like they were from a government agency, even indicating my county as if to associate themselves with county officials. They also called my mother and said the same  things.
Product: Credit reporting or other personal consumer reports

I am reporting Experian for failing to block and remove fraudulent accounts from my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. I am a victim of identity theft and submitted the necessary documentation, including an identity theft report and proof of identity, to request the removal of the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has not complied with the FCRA requirement to block and remove the fraudulent information within four business days. I am requesting the Consumer Financial Protection Bureaus assistance in ensuring Experian takes immediate action to remove these fraudulent accounts from my credit file and complies with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires provided below are all unauthorized and are the result of identity theft XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 TXXXX XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX  XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXXXXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX  Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX   Inquired on XX/XX/2018
Product: Credit reporting

I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? 
It was n't there in XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's report dated XX/XX/XXXX, shows almost all inactive/closed accounts, and XXXX which are open but inactive. None of my current credit accounts are shown, XXXX  : XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX to name a few. As a result, there is insufficient/or no information about revolving and open-ended accounts which is the basis most lenders evaluate/review to issue their credit card. Consequently, I was denied a XXXXXXXX XXXX XXXX, issued thru XXXX XXXX. I spoke to at least XXXX Experian departments over the last XXXX weeks about their over-sight and asked that they revise my report to include my current cards. I was told that a vendor/lender had to be a " subscriber ' of Experian 's service in order for the respective lender 's credit information to be included in Experian 's report. I called XXXX XXXX ( application department ) yesterday to verify this requirement and was told that there is no such requirement. Amazingly my credit score with experian is XXXX.
Product: Mortgage

I have a mortgage that is currently being serviced by Specialized Loan Servicing. I have been in default for some time. Originally I tried to work  with them to obtain a loan modification but the continuously were missing paperwork or they were always asking for additional information after I had already provided that information. 
Needless to say ; I gave up and presently I am trying to complete a short sale. 
I have had the property on the market with a very reputable and knowledgeable broker for 18 months. I have an experienced attorney working with the bank to assist with the short sale transaction. We have presented THREE offers to Specialized Loan Servicing throughout this 18 month period. Specialized Loan Servicing continues to reject this good faith offers and continues to OVERVALUE the property. My broker and my attorney both have worked in good faith with Specialized Loan Servicing. The property was shown to prospective buyers many many  times and all offers have been submitted to them ; but they continue to obstruct our ability to complete this short sale. I have no financial incentive to complete the transaction because I have a chapter XXXX discharger ; but I want to the right thing and avoid the foreclosure. However, despite the good faiths efforts of a knowledge broker and experienced attorney ; we are still being obstructed by Specialized Loan Servicing. I want SLS to approve the current short sale as this amount has been the HIGHEST amount we have EVER received for this property. The property was built in 1860and is severely outdated. Please help me.
Product: Debt collection

On Friday, XXXX XXXX this company started robocalling my number, my girlfriend, and my father. On Monday, the calls continued even after I spoke with them and asked to validate the debt through sending me a bill. They Continued to call my girlfriend and father and called me one more time late in the evening with no answer. On Tuesday they continued to robocall and even reached out to a ex in-laws of my girflfriend.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXX/XX/XXXXthe Bureau filed a lawsuit against Early Warning Services , LLC ( EWS ),XX/XX/XXXXXXXX, XXXX, claiming they failed to safegaurd the Zelle network from fraud and other defects, which resulted in hundreds of millions of dollars in consumer losses. EWS is a financial technology company headquartered in XXXX, Arizona and is co-owned by seven of the largest banks in the United States, including XX/XX/XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXX. EWS designed and operates the Zelle network and app, which is now the most widely available peer-to-peer payment network in the United States. In XXXX, the defendants rushed to launch Zelle to compete with other peer-to-peer money transfer platforms and to leverage their existing consumer deposit base by offering money transfer services directly to the customers. The Bureau alleges that the defendants violated the Consumer Financial Protection Act ( CFPA ) prohibition on unfair acts or practices by failing to take timely, appropriate, and effective measures to prevent, detect, limit, and address fraud on the Zelle Network. The complaints also alleges thatXX/XX/XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX violated the Electronic Fund Transfer Act ( EFTA ) and its implementing Regulation E for failing to conduct reasonable investigations of notices of errors submitted by consumers regarding Zelle transactions ; and failing to properly treat incorrect and unauthorized Zelle transfers as errors unde the law. The Bureau seeks, among other things to bring the defendants into compliance with the law, consumer redress, and civil money penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted the Compliance Challenge for metro 2 to experian as you'll see in the below pdf. 

They never responded to the letter of challenge for the negative items and its now XX/XX/XXXX ( OVER 56 days ) VIOLATION # 1 they  fail to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive information from the creditor within the first 30 days ). 
Consumer protection afforded by the FCRA FCRA Section 611 Part ( A ) ( 1 ) They never removed the accounts after being shown the inaccuracies with there reporting from the below either. 

VIOLATION # 2 Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy. 
Defamation, willful injury FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ). 
Extent of damages incurred by the wronged party, as deemed by the courts. 


These are VIOLATIONS and they HAVE TO PAY NOW. I've attached the images of the disputes that were initiated in the time frame. They never even initiated a dispute and they never even responded. They also never removed any of the information after being sent the proof of inaccuracies.
Product: Money transfer, virtual currency, or money service

My Venmo account was permanently frozen without any explanation. I was informed that I violated the user agreement, but was never told what transgressions I had committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting XXXX  % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be XXXX % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting XXXX % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
Below are the following accounts that need attention in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance to Fair Credit Reporting Act XXXX XXXX, account number XXXX, has violated my rights, XXXX, Transunion, XXXX *15 usc 1681 section 602 ( a ) states I have rights to privacy *15 usc 1681 604 ( a ) section 2 : consumer reporting agency can not furnish report w/out written permission *15 usc 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt *15 usc 1692f : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt note : the open dates on the acct are different XXXX XXXX Equiifax XX/XX/20 ; balance & high balance contain errors that with knowingly cause an adverse action *15 usc 1681 ( d ) : A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer