23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After, reviewing XXXX Universitys website, I'm concerned about the sourcing of rankings, outcomes and comparative data. I fear the information is either not correct or is misrepresented and therefore misleading prospective & current students. 

{$110000.00} in Student Loan Debt : For example, XXXX University markets itself as an affordable, first-generation student friendly institution. Yet, I left with an excess of {$110000.00} in student loan debt. My parents ( who did not attend college ) were willing to pay for {$20000.00} of it, leaving me with a monthly student loan payment of {$1100.00} from XXXX while living in Washington, DC making {$38000.00} a year ( a company XXXX XXXX, CFO directed me to ). The response from the finance office my senior year was Oh wow, thats a lot. Youre not going to be able to afford that in this area ( this area being XXXX Pennsylvania ). Unfortunately, Im not the only one.  XXXX XXXX, who is featured in the XXXX XXXX  segment below, shares a similar fate. 

Link to XXXX XXXX : XXXX : XXXX Strong Ties to Predatory Student Loan Lenders : Yet XXXX continues to promote affordable degrees that are friendly towards first-generation college students. XXXX Board of Trustees also share strong ties to Navient and Sallie Mae who issued me loans with interest rates from 8 % to 12 %. I find a conflict of interest between the Board of Trustees who are driving XXXX students to take out high-interest loans with private lenders. 

Link to XXXX XXXX XXXX : XXXX Board Member and Former Executive of Sallie Mae and President of the XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX serves as chairman of the board of XXXX XXXX XXXX , formerly XXXX XXXX  XXXX and is a member of the Governance Committee. He is president and CEO of XXXX XXXX XXXX XXXX, based in XXXX XXXX.  He is a retired partner of the XXXX-based law firm XXXX, XXXX XXXX, a former executive vice president of Sallie Mae Inc., and the former executive vice president, general counsel and secretary of XXXX XXXX XXXX. 

My Goal : My ultimate goal is to provide a voice for those who have been financially disadvantaged by an institution of higher learning who markets themselves as affordable and accessible to first generation and minority students. I'm aware that this is a systemic issue among small, private liberal arts institution who are struggling to find " their niche '' in the competitive higher education market but issues such as transparent marketing tactics and the unwillingness to address student financial literacy need  to be confronted. There are better ways to handle this situation and I hope XXXX chooses to be on the right side of history.
Product: Vehicle loan or lease

I set up a payment arrangement 2 weeks prior & I paid my car note the same day It was repossessed unknowingly. When I inquired, I was advised there was no documentation.My main concern is the integrity, motive of all individuals that work for this organization, & the customer service is extremely poor. I was ordered to cancel my payment & pay again before my vehicle could be released. 

Prior to the balance being re-paid in full, I scheduled an appointment Per XXXX XXXX website to pick up my vehicle the next day. The repossession refused to release my Vehicle even after accepting payment. They then released my vehicle 3 days later & demanded I pay an additional {$370.00} for storage fees, because of their error. There was never a delay in my response and I was cooperative in the process of the recovery of my vehicle ; before, during and after work ; in which caused my mental health condition to worsen. I have recorded phone conversations and emails. I stayed in communication and was forced to pay additional charges and inconvenienced financially. I was verbally attacked and belittled by several individuals within the organization. Each time I request for management to pull a phone call and or review notes from what previous agent promised, their response was, they have no record of the information and refuse to assist professionally, and responsibly. They also wouldnt release my vehicle upon arrival until I signed a document ; confirming I received personal property. The same day, I immediately notified both the finance company American Credit Acceptance , XXXX XXXX & XXXX XXXX XXXX about the mechanical damages & visible damages to the body of my Vehicle. I then spoke with XXXX XXXX, who request I send in proof of repairs ( mechanical repairs ) & pictures of my Vehicle as proof my Vehicle was in good condition to be reimbursed. After receiving documentation of the condition of the Vehicle, she proceeded to rebuttal & make excuses why they were not paying for the damages they caused on my car & or the mechanical issues. All documentation & pictures were proof there were no issues with the vehicle both the body and mechanical. Since then Ive been paying out of my own pocket for the damages they caused.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB Lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and expressing discrepancies, my financial institution and Zelle fail to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking transactions were unfeasible. The CFPBs findings indicate that Zelle has now only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises a serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I entered into a payment plan with XXXX XXXX XXXX due to my account being delinquent because the debt resolution program I was using was sued by the CFPB so I had no choice but to settle this myself. XXXX XXXX  agreed to only charge 6 % interest and I pay {$57.00} a month until the account is paid in full and they would close my account out also no late fees, no over the limit fees or no annual fees would be assessed and this was to get my account caught up and current however in making these monthly payments they only took XXXX payment of {$57.00} off of the minimum payment of {$470.00} which came down to {$410.00} but ever since the XXXX payment came off they have not been taking an subsequent payments off of that total which in turn is making my account show past due and they are reporting my account past due ever since I entered into this program and supposedly after XXXX consecutive payments it was supposed to be reported to the credit bureaus as current but this has not happened mind you I have paid XXXX consecutive payments which is over the XXXX consecutive payments that I was told. I have contacted Ally card by mail and not getting any responses, so I have called them a few times and all I get is the run around. XXXX XXXX needs start by fixing my minimum payment due which with XXXX consecutive payments made should be current at this point and I am still getting collection letters from XXXX XXXX even though I am in a payment plan program with them as well. I just want my account minimum payment amount to be corrected applying those payments to it and my account to reported current to the credit bureaus like how I was told when I entered into the repayment plan. Them sending me collection letters saying that I owe the minimum payment due is nonsense yes, I owe the balance and I am paying it monthly, and I know good and well all people in customer service should be able to see this. I just want them to make good on their word. I am doing my part the least they could do is what they promised. I am attaching XXXX of my credit card statements so that you can see where the minimum payment due started and where it ended at also attached the email with the payment plan.
Product: Debt collection

On XXXX XXXX, 2015 I sent a letter of verification to SKO Brenner American requesting verification of several accounts being reported as negative on my credit profiles. Received the return certified receipt stating letter was signed for on XX/XX/2015. On XXXX XXXX, 2015 received a letter form SKO Brenner American representative by the name of XXXX XXXX stating The they have notified the credit bureaus to delete these accounts from my records. Today is XXXX XXXX, 2015 and the negative accounts are still showing on my credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, a hard inquiry came up on the credit report, which I dont recognize. Date was XX/XX/2022, from Barclays Bank Delaware. I called the XXXX number and they couldnt help me out. I discussed that I never opened a credit card and that someone was using my information. They suggested I get in touch with my credit bureau.
Product: Debt collection

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Collection Resources. I requested a validation on XX/XX/2020 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2020 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX has called me and members of my family claiming I owe {$2400.00} on a loan that I've never taken out. I told the representative that I have never taken out this loan. She told me that it doesn't matter. I still owe this money. I asked her to please give this information to me in writing and she would not. I asked her why the company that I supposedly owe this money to has never reached out to me and she said they would not ever contact me. I asked her to give me the companies contact information and she would not. She said this was for Ace Cash Express for a loan of {$2400.00} in XX/XX/2018. I double checked my credit report and I do not see any sort of loan for this company. I checked my bank transactions and do not see any sort of deposit into my account from this company for this amount. They are harassing my family and me. They refuse to provide me with adequate information about this supposed debt. I looked up the phone number for this person who called me and came up with nothing. I had to have her repeat what company she supposedly works for. She would not give me her full name. Her phone number is XXXX. It appears to be a number from Georgia.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries!!! Information Researc
h XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2018, I mailed a letter, which I have enclosed as proof, to Factual Data about a hard inquiry they placed on my credit report. You can see in the letter that I wrote them, I asked them for " written proof '' authorizing their agency to view my credit history. In their response, which is also included, they state that, " Factual Data provides credit information from CRA 's to its clients, which are primarily banks, mortgage companies and other lending institutions that have a PERMISSABLE purpose under the Fair Credit Reporting Act to obtain credit information for lending purposes. '' Factual Data, as it's own agency, has no signed proof of me granting any such permission to view my credit history, and its client, XXXX XXXX XXXX XXXX has no such proof of permission from me either. I demand that Factual Data remove any hard inquiries made on my credit report to any of the bureaus, and remove any information they have gathered on me in their files. They are violating my FCRA rights as a consumer, and if these inquiries are not removed, I will bring a law suit against Factual Data for violating my FCRA rights as a consumer.
Product: Mortgage

XXXX XXXX Veteran XXXX XXXX XXXX now complains against MetLife. 
MetLife was fined {$120.00} million dollars for residential mortgage fraud committed from XXXX to XXXX, my fraud was committed on XX/XX/XXXX and continuing because I am being overcharged at 5.5 % interest which was falsely claimed at my home loan closing when I was quoted 4.5 %. MetLife 's now disbarred attorney XXXX XXXX, and their XXXX Georgia Home Loan manager XXXX XXXX ambushed me at the closing and said the VA had approved 5.5 % interest because my house was under {$50000.00}. Not only did the XXXX VA Regional Office later tell me that MetLife had made a false claim, but, I have the entire history of the VA Public Laws and nowhere is there any VA Public Law providing lenders a higher rate if the house is under {$50000.00}. XXXX recently published a report that many Veterans are being overcharged. My research on this which I will attempt to attach, shows that in XXXX XXXX, 3 Congressmen pushed Public Law 104-110 which only permitted the secretary of the VA the power to change the VA Home Loan interest rate from the traditional 1/2 percent below XXXX rate to " negotiation '', but not even MetLife or my FOIA requests or letters to the Secretary of the VA, no one, can produce any change signed by the VA Secretary from XXXX to XXXX, and even beyond, allowing negotiation. Because of the MetLife $ XXXX fine, my loan wound up with XXXX and I have not only been overcharged at 5.5 % interest, but my report to the CFPB has never been answered to me even though XXXX XXXX XXXX has just been fined by the CFPB for what they did to me and others, XXXX raisded my payments to {$370.00} from {$330.00} and ignored my requests for an explanation why, and XXXX concealed the CARES ACT from me which would have helped at the time to get my interest rate down to 2.7 %. MetLife also owes me {$230000.00} for concealing my life insurance policy and denying I had one, and, they caused me personal injury by not paying my VA Dental Insurance claims causing me to lose at least5 one, and probably two teeth. XXXX XXXX XXXX reported this as " The insurance industry under investigation. MetLife signed a 22 State Consent Order promising to pay me and then denied I even had a policy. Please help this time. Please send me additional space to submit documentation. XXXX XXXX XXXX XXXX
Product: Checking or savings account

I used XXXX to make a transaction and didnt realize Wells Fargo doesnt protect their customers with scam XXXX transactions, Wells Fargo dismissed my claim, I want the scammers bank account investigated and to go to jail. I want my money back too. The scam happened on XX/XX/XXXX and I reported right away. Here is the scammer information XXXX XXXX
Product: Credit reporting

Per the credit report attached, a payment arrangement was made via XXXX on behalf of University XXXX XXXX. The first on-time payment was made XXXX/XXXX/2016. The next payment scheduled is on XXXX/XXXX/2016. 
In reviewing my credit report Experian has reported late payments in XXXX and XXXX 2016 is incorrect. 
Upon reviewing my credit report, I contacted XXXX and was told they did not report this information to Experian. So Experian has to correct immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/Wayfair incorrectly reported a credit card balance after I fully paid off the balance and closed my account in XXXX, XXXX. This resulted in a delinquency record on my credit reports and a significant damage to my credit score. I contacted Comenity Bank and all three credit bureaus ( XXXX XXXX, and XXXX ) multiple times during the past month - Comenity Bank has been extremely difficult to deal with.

After many phone calls I was not able to get a response from the department that handles credit report disputes. Their representative first said that they already sold my account to a collection agency and would not be able to help me. I then had a conference call with Comenity Bank and the collection agency to confirm that there was no outstanding balance associated with my Comenity Bank/Wayfair account, as the collection agency already did an investigation in response to my dispute and promptly removed their false collection records from my credit reports. But Comenity Bank is still not able to remove their false information in a timely manner. I was given conflicting directions - one representative told me to file a dispute directly with the credit bureaus, and another representative told me to mail a letter to the Comenity Bank department that handles disputes. I did both, and XXXX  a letter with supporting document to Comenity Bank on XX/XX/XXXX. The XXXX  tracking number shows that Comenity Bank received my letter on XX/XX/XXXX. However, as of XX/XX/XXXX, no one in Comenity Bank was able to confirm if they received my mail or not, and if anyone was reviewing/working on my case. A Comenity Bank representative told me that even if they received my letter on XX/XX/XXXX, it could take up to 90 days to review and reach a conclusion. This is an unacceptable amount of time, especially for a case that was already investigated once by the collection agency that Comenity Bank used. 

Comenity Bank/Wayfair is by far the worst financial institution I have had to deal with. They do not have the ability to handle customer account records correctly and resolve customer concerns timely. Their irresponsible actions have resulted in a significant damage to my credit score and financial implications.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX  XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Credit reporting or other personal consumer reports

AutoNation Finance is reporting to the credit bureau that I have a loan with them for {$24000.00}. I did not authorize or requesting this loan. During the period of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was XXXX. I could not have requested or signed any documents for this loan. This account was opened fraudulently. Im requesting this be investigated thoroughly and removed from my credit report. I have tried disputing this using XXXX XXXX. Now proceeding to the next step.
Product: Credit card

XXXX  credit card has charged me with too much interest and fees for being late, even after i explained my financial problems
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent XXXX XXXXXXXX XXXX, Transunion, XXXX and XXXX a letter to have my account checked for audit and accuracy. XXXX XXXXXXXX XXXX Never responded ..... Please permanently delete this credit card account from my file. per 15 U.S.C. 1681S-2 ( b ) ( 1 ) ( E ) ( iii ) The response time was only allowed 30 days they are way over that period. 15 U.S.C. 1681S-2 ( b ) ( 2 ) and FCRA 611 ( a ) 1
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports