23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My school closed. It was owned by XXXX College. I first attended when it was XXXX College and then it became XXXX XXXXXXXX University. I attended from XX/XX/XXXX through XX/XX/XXXX,  graduating with an XXXX XXXX in XXXX XXXX and XXXX. I started a family and took time off. I returned from XX/XX/XXXX through XX/XX/XXXX. I accumulated approximately {$35000.00} in Federal student loans. Prior to my last quarter to receive my XXXX XXXX, I began contacting other colleges in the XXXX XXXX area such as the University XXXX XXXX Florida so that I could receive my XXXX XXXX from a better known university. I was shocked by what I learned and so discontinued attending XXXX and did not complete my XXXX program. The reason was that while XXXX had told me again and again that my credits would transfer to any other college that I would want to attend, I learned that not only would I have to retake not only my entire XXXX program but some of my XXXX program as well. I was also told XXXX had employment programs for graduates but as it turns out those programs never existed. I was also never counselled on how my student loans could ever be repaid after graduation. I was furious and sought legal help but no one would help me so I just turned my back and walked away. Once I walked away from XXXX that was that as far as I knew. Until not long ago. A few months ago, I was in need of an official college transcript for a job offer. In my attempt to contact Florida XXXX University, I found that the school had closed, became XXXX College, closed again and is now XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and I was able to receive an unofficial transcript but this is not what was needed. After several weeks of contacting XXXX again and again, I was told that while there is a record of my attending XXXX, there is no record of my XXXX and so I could not obtain an official transcript. Needless to say, I did not get the job. My degree is worthless! Since then, I found that XXXX College had been sued in a class action suit, which failed, and also by the CFPB. I just learned that the CFPB had sued and won a settlement against XXXX College in XX/XX/XXXX but XXXX had filed bankruptcy and so CFPB has never collected. I do not feel that I am able to legitimately able to continue using this college information on my rsum as I can not prove that I XXXX yet I have student loans to repay, which are almost double what they were when I XXXX. I do not feel that I should be responsible for these student loans because I feel that I was defrauded. I have nowhere else to turn. I have twice submitted complaints to the U. S. Department of Education, ( XX/XX/XXXX and XX/XX/XXXX ), but have received no response and do not expect to. I also reached out to my lender but was told it could not help me because the school closed after I had XXXX. Is there anything that CFPB can do to help me?
Product: Debt collection

The company XXXX XXXX XXXX XXXX has harassed me daily by calling my personal cell phone number from XX/XX/XXXX until this present day XX/XX/XXXX. Repeatedly! ( Bleecker Brodey & Andrews ( XXXX XXXX XXXX ). Also, during this time of national unrest and a national pandemic, XXXX XXXX XXXX XXXX sent a Sheriff Deputy to my house that XXXX XXXX XXXX XXXX XXXX and they could have possibly XXXX me to the XXXX. I have saved the text message in my phone, where I was sent an alert stating that the XXXX XXXX XXXX  and had been in close contact with someone who had XXXX XXXX. The deputy was not wearing a mask when he came to the door.
Product: Credit card or prepaid card

There have been sixty-seven charges in the last 11 months on the AMEX card from XXXX. I have no sales ticket for what items were purchased, quantity or by whom. Amex refuses to provide me with the sales receipt for each invoice since the card was issued. It leads me to suppose that there have been multiple fraudulent purchases on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent cfpb lawsuit highlighted significant issues with that platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about costumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please remove.
Product: Mortgage

I have received some strange letters in the mail over the course of the past month and I am puzzled because I have been trying to modify my loan and it has been unsuccessful. I am now facing foreclosure in the middle of a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX  XX/XX/XXXX
Product: Checking or savings account

CapitalOne and XXXX knew about a power outage Wednesday XX/XX/year> and that it would impact many of their customers. The problem wasn't acknowledged until Thursday and as of now the problem hasn't been resolved. I haven't received my direct deposit and now I can not access my account because of accessing it too many times. When asked about restoring access to the account they said there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a  XXXX   XXXX  account on my credit report since   XXXX   XXXX  . I have asked for verification from  XXXX   XXXX  of this negative account that they have reported to credit bureaus,  XXXX , Transunion, and  XXXX . I sent out a letter on   XXXX   XXXX   XXXX  .  XXXX   XXXX  signed for the letter on   XXXX   XXXX   XXXX  . I gave the company 30 days to respond with more information on this account. I did not receive a letter until   XXXX   XXXX   XXXX  . The company is not only reporting inaccurate data but has also broken the FDCPA. I have all documents and dates of the communication between  XXXX   XXXX  and myself. The company has continued to break the law. I have tried communicating with them and they refuse to talk with me. I have sent multiple letters asking for validation on the account. The company is also refusing to send a letter stating that if i do pay this debt they can not guarantee that it will reflect as paid on my credit report. When i asked to speak with a supervisor for this matter, i was told they did not have any on staff.  XXXX   XXXX  has also sent the account to a collection company and when you ask who has ownership of the account, they both point fingers. The company holding the account says they do not report to the credit reporting agencies and when you ask  XXXX  to send a letter asking to update to the credit bureaus once paid, they state that they can not do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking my annual credit report ( for the first time ) I seen 2 collections on my report for services I did not authorize. 
I filed a complaint with XXXX  regarding the following : Report Number : XXXX Date Generated Results : XX/XX/XXXX I C SYSTEM INC Account XXXX Many years ago I had my identity used by a former roommate. After I had moved out of an apartment we were sharing, I found out later, he had put the utilities and cable in my name. 

How I believe he took my information was we had went to the movies and after the show, I couldn't find my wallet. I thought someone pick-pocketed me, and stole it. I didn't have any credit cards ( I was just out of college ) or even a checking account, so I wasn't concerned at the time. 

Move forward months later, HIS dog, a golden retriever, was playing with something chewed up, and when I pulled it from her mouth, it was MY wallet. So I confronted my roommate, and he denied ever seeing it and accused ME of misplacing it. I brought up that I had paid for the movies that night the wallet came up missing with money from MY wallet, and how would I be of possession of something we both clearly looked for and alerted the movie manager. 

Needless to say, I moved and relocated closer to my family here in XXXX. 

Now that I found that he put the two accounts in my name, and left them in a delinquent status, I am once again being used by my former roommate. 

I tried to remove both these accounts, and the one listed above is the first one back with a [ denial ] response. 

Also what amplifies this matter is that the company above, in lieu of using the initial dates as previously reported, they moved the date of negative payment to THIS year. Is that legal? I'm sure if I didn't make an attempt to remove this, the charge would have fallen off soon, because I haven't lived in XXXX XXXX XXXX, Florida since XX/XX/XXXX. 

What, if anything, can you do to help me with this situation? 

Please advise. 
XXXX
Product: Debt collection

Recevied notice that an assumed debt was owed by debt buyer Cavalry SPV, LLC in XXXX of XXXX. Sent via signature required return receipt request XX/XX/XXXX & confirmed their receipt on XX/XX/XXXX for Validation via the FDCPA. They failed to validate the account as requested and written notice again sent by signature required return receipt on XX/XX/XXXX to cease & decist collection action and efforts based on this failure and per the FCDPA was sent with confirmed receipt on XX/XX/XXXX along with notice of same to XXXX, XXXX XXXX XXXX. Acct was removed and no further action was received or seen until XXXX, where again Calvary errouniously began reporting to credit bureaus of the assumed debt but sent or made no other collection action. Sent notice again to all agencies and parties in XX/XX/XXXX with no avail. I am sending a final notice to update accordingly to the credit bureaus but wish to file a complaint on Calvary for their actions that further harm my credit rating but give no direct contact for further dispute.
Product: Debt collection

I hereby declare that I do not, and have never consented to any contract purportedly established between myself and XXXXXXXX XXXX as there exists NO SIGNED CONTRACT BETWEEN US IN ACCORDANCE WITH THE UNIFORM COMMERCIAL CODE ( UCC ) UCC 2-201. FORMAL REQUIREMENTS ; STATUTE OF FRAUDS! UCC 2-201. Formal Requirements ; Statute of Frauds : ( 1 ) Except as otherwise provided in this section a contract for the sale of goods for the price of {$500.00} or more is not enforceable by way of action or defense unless there is some writing sufficient to indicate that a contract for sale has been made between the parties and signed by the party against whom enforcement is sought or by his authorized agent or broker. 

As no such contract exists, between myself and XXXX XXXX I hereby assert that I am not bound by any purported contractual obligations! I hereby demand an immediate cessation of all collection activities, including reporting on my consumer credit report, related to any purported obligation with XXXXXXXX XXXX This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any further attempts to collect or report on this alleged debt will be considered a violation of federal law and will result in appropriate legal action. 

Moreover, I asked several times to provide a written contract between me and XXXX XXXX  but you have the company failed to produce the requested document. I have attached attached the debt validation letter I have sent around XXXX and and several dispute letters via certified mail. 

Account Name XXXX XXXX  XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

After reviewing my Note, confirming that my loan accrues interest daily, On XX/XX/2018, I attempted to make my monthly payment prior to the due date, to save interest. There is not a way to accomplish this on the website. So I sent an inquiry to the company via electronic message, asking them if I could make my monthly payment prior to due date. They explained that I can not make my payment before the due date. I have to wait for the payment to be drafted on the due date, but I could make an additional payment that would apply only to principal to help pay my loan off sooner.
Product: Credit reporting or other personal consumer reports

XXXX tools was issued a cease and desist letter because they repeatedly violated consumer laws. This was when it was already in collections. They only remain on my credit for SEVEN YEARS I habe NEVER made any payments to that fraudulent company, or ant of the loteral 25 collection agencies they illegally kept selling and uncollectabke debt to. I've never communicated with ANY of them either, ever. 

I keep reporting to transnion that it is past the 7 year mark and they keep illegally leaving it on my credit. XXXX they have allowed XXXX to be on my credit report TWICE and one with a totally false date on it. I disrupted and they close sit stating it's valid with ZERO PROOF AT ALL. 

It's OVER 7 years old, everyone knows it and the same fake and fraudulent debt sure as heck can't be on there twice! It's like they aren't even doing their jobs anymore, just collecting our money to simply exist
Product: Student loan

XXXX XXXX XXXX has sent me a letter from the University XXXX XXXX about 3 courses that I completed which they said never got paid for and I owe a balance of {$4600.00}. These 3 courses were paid for with my financial aid that I received around XX/XX/2017. I 'm in the process of transferring to a new school, and I was told by student adviser that if I had a past due balance that they would not send my official transcript. But they did send my transcript to my new college that i 'm applying to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a Credit application. 

XXXX XXXX  Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Coaf Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained ten separate student loans from XXXX to XXXX to attend XXXX XXXX XXXX XXXX  XXXX. XXXX was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the Department of Education. In XXXX, I applied for XXXX and XXXX XXXX XXXX through XXXX and satisfied all of the requirements for the three year monitoring period. In XXXX, I received a discharge letter from XXXX. All ten of my loans are being reported twice on my credit report by XXXX. XXXX corrected the status of four of these accounts to " current, paid as agreed '' after I disputed a false late pay on my XXXX report during XXXX XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining six loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that XXXX would correct the reporting of these accounts, however this has yielded more issues. XXXX responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called XXXX to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. XXXX reported all ten of my loans on my credit file with all three bureaus a second time, these loans are reported in good standing. However, the loans are listed twice by XXXX now, with the status not being corrected on the first set of loans reported. Also, all ten of the loans are listed on my report by the Department of Education in a paid, written off collection status. These loans reported by the Department of Education were in good standing up until the point where " inappropriate '' corrections were made. In short, I have ten separate loans that are being reported three times with all three bureaus. Each loan is being reported as a derogatory account twice, once by XXXX and once by the Department of Education. This amounts to twenty derogatory accounts on EACH of the three bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are discharged they should be completely stricken from my credit file. I have attached the letter of discharge from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USE WITHOUT MY CONSENT I AM XXXX XXXX SOMEONE USE MY INFORMATION TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS USING MY INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the  law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Acct. # XXXX Date : XXXX XXXX XXXX Attn. : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED CHARGE- OFF ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized Charge -Off on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my Experian consumer credit report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA* ) codified at 15 U.S.C 16186 ( a ) 3 ( 1 ) ( i ). Chester v. Purvis, 260 F. sup 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with XXXX XXXXXXXX furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review for collection. 

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C.168In ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via certified funds to Name, Address, City, State Zip code Best Regards, XXXX XXXX