23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My name is XXXX XXXX, I would like to submit a complaint against the loaner American Education Services. I have submitted an application to discharge my loan due to False Certification ( Ability to Benefit ). I come to find out that the school I got a XXXX was n't legit and did not meet the requirements for Regulation or Accreditation. I took an adult program to obtain a XXXX XXXX XXXX from home. AES mailed a " Notice of Eligibility stating I was ineligible for the loan discharge because further information is required to complete the process. They have requested that I must provide proof that I did not complete XXXX credits or XXXX clock hours of coursework. Unfortunately, this school is now closed to be able to provide my loaner with the information requested. I have filed a complaint with the XXXX and provided AES with proof of law suit court order towards this school and it is not sufficient. I have been given the number to XXXX and have explained my situation and have been given multiple numbers to call to get this resolved and nobody has been able to help me. If the school is closed and is under a law suit because their high school diploma was n't legit, I do not see why this information should n't be enough to determine I did n't have the proper education to have a high school diploma at the time I enrolled at XXXX XXXX for XXXX XXXX program which is the cause of this loan that I am stuck with. everything was a lie and I do n't feel I should be responsible to something that was not valid and or go along with a lie. I was n't aware of all this or else I would have not got into school. I was just trying to make something better in my life to be able to provide for my family. I am now stuck with a loan that I never even benefit from with the XXXX course I wasted my time on. Could you please help provide some kind of documentation for this case?
Product: Credit reporting or other personal consumer reports

Late Payments To ensure that the creditor report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following late payment information therefore needs to be re-investigated. 



I request to provide proof of this alleged late payments, and payment history. I am maintaining a careful record of my communication with you for the purpose for filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance if the validation of the debt requested isnt completed. 



Please have the creditor provide the validation documents to the XXXX  as well as certified mail to me. Its extremely important that creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off. Thank for your assistance. 



If creditors can not provide the requested payment history and documents, please have the late payments removed from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal communication in an effort to get this inaccurate and invalid account from my credit report. I have sent several dispute requests to Equifax  and XXXX  to investigate the XXXX XXXX account, which is reporting inaccurately on my credit report because I have NEVER done any business with XXXX XXXX & they are reporting this account as if they are the original creditor when they are NOT. 

I sent a communication to XXXX XXXX XXXX XXXX, requesting validation of this debt and they sent me a communication stating they were a 3rd Party Debt collector, collecting on behalf of Purchasing Power. However, if you take a look at my credit report ( see attached ) XXXX XXXX is reporting on my credit report as an " original creditor '' who has charged off an account in my name and transferred it. 

I have attached a copy of how this account is reporting to my XXXX  and Equifax  report, and if XXXX  and Equifax  were conducting a proper investigation they could easily determine that this account shouldn't be reporting as an " original creditor '' to who I owe a debt to. 

Also, if you take a further look, XXXX XXXX XXXX XXXX is reporting a payment status of charged-off on XXXX, but as " Late 120 Days '' on Equifax. Additionally, Equifax is double reporting this same account as a " charge off '' and as a " collection '', which is a clear violation of the FCRA. It's clear that XXXX XXXX XXXX XXXX is conducting deceitful and unfair practices in an attempt to coerce me into paying a debt, I HAVE NEVER OWED TO THEM and haven't validated that I have even opened up this account with them. 

I've exhausted my attempts to correct the inaccurate and invalid account with the credit bureaus and they have refused to do so. My next step is to contact my attorney general followed by a civil lawsuit against all 3 companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : DELETIONS TO CREDIT REPORT Recently, I discovered alleged accounts on my credit report for which I do not recognize. Pursuant to FCRA 623, I am demanding their removal. I have indicated the items below. 

Accounts : SOURCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. 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. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. 

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

The company is reporting something that is older than seven years from the date that the debt was incurred. I have tried to resolve this directly with XXXX, Experian, and XXXX XXXX and an unresolved complaint with the XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

Due to financial hardship, I was unable to make my semimonthly loan payment. I requested ACH ( automatic withdraw ) to be removed from my Blue Trust Loan account on XX/XX/18 via email and again via telephone on either XX/XX/18 or XX/XX/18. I received verbal confirmation that this was done. Despite this, on my next payment due date, the full amount was automatically withdrawn from my account. When I called to complain, I spoke with " XXXX '' and was again told that ACH was going to be removed from my account, but they would not refund the amount taken without my approval. I was essentially told that I owed that amount and they could collect it via ACH even without my approval. I am concerned they will continue to automatically take money out of my account without approval. I called the bank and they were likewise unable to stop payment.
Product: Credit reporting or other personal consumer reports

The following information was NOT AUTHORIZED to be reporting to my consumer report! The following consumer reporting agency has fraudulently and inaccurately. posted multiple negative items on my credit report without my given consent. This is directly impairing the efficiency of the banking system and is forbidding my of my GOD given rights These are the following accounts that need to be removed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had {$20000.00} damage to my home last XX/XX/XXXX. It was winter and very cold. My doors and windows were covered with plywood so I withdrew my meager savings to begin repairs. Friends and family pitched in to help me with repairs and money. XXXX refuses to release my money until I produce " paid in full '' receipts from the contractors who gave me estimates but did n't actually do the work. They are holding a {$16000.00} insurance check. I understand that there is a process but how can I reimburse or pay anyone when I have no money? I 'm XXXX years old, all of my savings are gone and I live on my SS check. I 'm desperate. Please help.
Product: Mortgage

I have my home loan with Caliber Home Loans. They placed Lender Insurance on my property without advising me. I already had home owners insurance with XXXX XXXX. They changed my monthly mortgage payment without advising me because of this insurance they placed on the property. They stopped applying my payments, which were set up on automatic payment, because of this increase. They were however cashing the checks but they were not applying the payments to my account. I called to complain after receiving notifications of a pending 30 day late. I sent in proof of insurance at that time. They advised after reviewing the insurance that they would start applying the payments but that I still owed them {$1100.00} for the insurance they placed on the property without my knowledge. They said they mailed me a letter, which I never received. They have my email address and my phone number but they did not utilize either ; only mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am lodging a new complaint on an ongoing issue because my original complaint ( XXXX ) was closed out, although Transunion did not completely fix the problem. 

This is a joint account and they have failed to fix the error in reporting for my husband. When I spoke to Transunion on the phone yesterday XX/XX/XXXX, they claimed they had contacted our credit union and verified that we are late on payments. Today I spoke to our credit union and they said that have never been contacted by Transunion. In other words, the Transunion " supervisor '' I spoke to yesterday lied to me. If we were delinquent on our payments, how is it exactly that Transunion is able to clear it up for me but not my husband? I called Transunion today to report that the supervisor had lied to me. They refused to explain to me what their own internal process is for protecting consumers against this kind of dishonest behavior ( and were incapable of having a real conversation. The representative I spoke to today literally kept reading the same lines over and over word for word instead of responding to my concerns. It's baffling that they pay humans to read scripted lines when they can just have a computer do this ). We still have no resolution and this has been going on for 2 months. Again, the other two bureau 's are having no trouble whatsoever reporting correctly on this account. The account has a {$0.00} balance and has had for months, including the months that we were supposedly delinquent.
Product: Credit card

Home depot was to deliver flooring to my home. the pallet broke when they were delivering and threw the flooring on the ground in front of my home in a pile. It was damaged and store was contacted immediately. advised they would send a truck for pickup. when truck came for pickup, they said they could not take the items back in that condition and to trash the items and a refund would be issued. I have yet to receive a refund after numerous back and forth communication. I have attached a photo of the delivery condition. They are now trying to charge me interest on the disputed amount that I do not have. 

as per the credit card rule, if you are not satisfied with the merchandise, we qualify for all 3 requirements, in addition to the fact that we no longer have the items are per their instructions. Home depot/citi credit card stated they do not follow these regulations. Please assist with this matter.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian to remove an inaccurate address, XXXX XXXX XXXX XXXX XXXX XXXX, from my credit report. Instead of investigating this address, Experian responded by referencing a different, unrelated address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX This address is associated with XXXX, XXXX, and was not relevant to my dispute. 

Experian later sent me a generic email explaining their dispute process but failed to provide any specific information about the method of verification for the XXXX XXXX XXXX address, which is required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ). This generic response did not explain how they verified or rejected the actual disputed address. 

I am concerned that Experian did not conduct a reasonable investigation as required by the FCRA. This issue reflects a broader pattern of inadequate investigation by Experian, as seen in recent legal cases, including a class-action settlement where Experian paid {$22.00} million due to failures in verifying consumer address information. 

I am requesting the CFPBs assistance to ensure Experian conducts a thorough investigation into my dispute, removes the incorrect address, and provides a detailed method of verification.
Product: Credit card

I made 2 advanced payments ( scheduled ) one on XX/XX/XXXX and then one on XX/XX/XXXX. The payment on XX/XX/XXXX was the incorrect amount so I called them up and asked them to cancel that payment. XX/XX/XXXX rolls around and I get my bank statement on line and I see where they processed both payments. I have reached out to them and they told me it would take 11 days. after the 11 days nothing and a called back on XX/XX/XXXX and they told the refund had been processed and it would be 11 more days. They posted the payment again on XX/XX/XXXX and it now shows the refund is being sent on XX/XX/XXXX therefore 11 more days. When do make a payment it post immediately!! It show on the website but no action to the back account and I'm losing interest from my bank.
Product: Checking or savings account

My bank closed my account and removed me from all banking services. I explained that my funds were from a legitimate company in my country. I was assisting only as an intermediary to use the money to buy machinery in XXXX. Even though we explained, the bank in my country sent out information regarding the money precedence. I opened another account at Citibank and as soon as I deposited XXXX dollars on my savings account they closed the account and no money was given back. Without a valid explanation or pre-calling me to ask me if the money from I was denied services at the bank too. I am bankless. no money on my hand. Not able to use my card. Please help me out I prefer in XXXX. 

thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX bill on my credit file and it does not belong to me. I did not authorize this account to even be open and it was suppose to be deleted from my report. This is weighing negatively on my report and hurting my score
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year>2024 the m

ost recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit reporting, credit repair services, or other personal consumer reports

I found that Statebridge Company reported a discharged debt as late on my credit report ( post discharge ). Statebridge no longer owns my second mortgage, they sold it I believe in XXXX of XXXX. 

To boot Statebridge Company refused to take my payments and refused to communicate with not one, but two law firms. I have a recorded call on XXXX XXXX ( provided to my attorney ) and attempted contact logs from two law firms reflecting Statebridge Companies refusal to communicate and or take payment. Ironically the payments that were reported as late were XXXX, XXXX, XXXX and XXXX of XXXX ( after my payment/s were refused and a complete lack of response/communication from Statebridge Company to either myself or my attorneys ). 

I did call XX/XX/XXXX @ XXXX requesting this concern be resolved. I was told XXXX XXXX or management would be returning my call the following day, I received no return call ( in typical fashion ). I can provide the recorded call if you would like. 

I did call again XX/XX/XXXX @ XXXX, again requesting this concern be resolved. I was told XXXX XXXX would return my call, I have yet to receive a return call. I did ask to speak with his supervisor, I was told he was the only one I could speak with. I can provide that recorded call as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX I submitted certified letters to all 3 credit bureaus ( Equifax, XXXX, XXXX ). I disputed numerous inaccurate trade lines on my account. I requested that they verify all items and provide me with documentation. After the first attempt no changes were made. I then submitted another certified letter to them again on XX/XX/XXXX. This letter was again in dispute of inaccurate reported tradelines. I requested they be verified and original documentation be provided to me. This request again was not completed. I then sent them a third request via certified mail on XX/XX/XXXX restating the purpose of the letter was to manually investigate all items listed. They responded once again that they are making no changes and that all information was verified. Yet again my request for manual verification was completely ignored. I sent them one final 4th request on XX/XX/XXXX again by certified mail, restating for the 4th the items that needed to be verified or removed along with the the method, the name, and of course the original contracts that were signed with my signature. This final attempt was again ignored and not corrected. I have a copy of all certified and notarized letters, along with receipts of the sent letters. This needs to be completed and fixed and all items removed.
Product: Student loan

Great Lakes sent my account to a loan service group named XXXX XXXX and I received a notice by the us dept of education that I would be garnished for non payment of loans in early XXXX. I was in forbearance with Great Lakes and I didnt receive any notice that my forbearance ended. I contacted XXXX XXXX immediately and was told I would be garnished for $ XXXX+/- a month until loans are paid ( {$12000.00} ). I explained that there is no way I can afford this, but I would be willing to pay up to {$300.00} a month. They asked me to fill out documents on my bills, and I did. We went over this in detail during our initial conversation. During this conversation, I was told I could make on time monthly payments for 10 months at $ XXXX/month and that will bring me back on track. I was happy to have this option. I mailed them in as instructed to, and was told they would get back to me with my arrangements. I never heard from them. I called them the first week of XXXX and was told that they never received the documents, and since they didnt, there was nothing they could do. They have moved forward with processing the garnishment and the amount is almost {$800.00} a month. I made this clear that this would put me at risk of losing my home, and assets, and they didnt care. I have no options at this point and I am scared.
Product: Debt collection

I am a single father trying to purchase a home for my family, I was denied because of negative items on my credit. I was able to see my credit and there is an fraudulent item that on my credit that i did not authorize. 

Account Name : XXXX XXXX XXXX Balance owed : {$910.00} Account Name : 11 XXXX Balanced Owed : {$910.00}
Product: Checking or savings account

Will not speak with me or explain why. Keeps changing spelling of name to reflect other compromised accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX TD BANK USA/TARGET CREDIT REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID IN THE SETTLEMENT ON XX/XX/XXXX. 

ISSUE 4 ) COMMENT SECTION STATES ACCOUNT PAID FOR LESS THAN FULL BALANCE. THE SECTION SHOULD READ ACCOUNT WAS PAID ON SETTLEMENT AGREED BY CREDITOR. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS FOR XXXX XXXX, XXXX, XXXX IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 6 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX. 






ON XX/XX/XXXX TD BANK USA/TARGET CREDIT REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 4 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX.