23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Loans were purchased from XXXX. Thousands of students were scammed by XXXX into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a matter of fact, XXXX XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. Because of the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My Federal loans ( Distributed and Repaid amounts Attached in XXXX  ) discharged and my credit repaired. I am aware that XXXX was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. These private loans with a high risk of default were part of a package deal offered to " for-profit online schools, '' but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for XXXX, but what a sham of a settlement deal for the rest of the borrowers scammed into taking loans to at least 150 for profit online schools. After the XXXX settlement, didn't XXXX also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? XXXX knows who we are. Under the FTC " Holder Rule '' XXXX is liable for giving predatory loans in connection with online for-profit schools. Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to XXXX 's CEO ( Attached ) asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Debt collection

Have received phone calls and letters and I explained to collection agency that I do not believe it is mine and I would need proof that the debt is mine. To date they have not been able to validate. How can you properly validate a medical collection without it being a violation of HIPPA law? I do not believe this is mine. This is not mine. Collection agency refuses to remove incorrect info.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019- an inquiry was done from Equifax Mtg , no address listed in XXXX XXXX XXXX NJ XXXX. I do not have a motgage currently, nor have I applied for any type of mortgage loan with ANY company. I believe my information has been compromised, as this is not from me! 

XX/XX/2019 and XX/XX/2019 an inquiry was made from the same company Bill Me Late with no address listed in XXXX, MD XXXX. I have no such knowledge of this inquiry or company. I reached out to this company to obtain information on who they were and how were they able to use my information for a credit inquiry two times, with no valid response. I believe these inquiries are a result of my personal information being compromised as this is not from me!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit or get more information about the name of the company.
Product: Debt collection

In 2009 I had checks stolen from my ex-husband 's home, in which I did not reside at the time. The person who stole them cashed them at various stores and banks. He and his girlfriend were prosecuted but at the time I did not file identity theft because I was busy trying to pick up the pieces of my life. I did not know about this until the detective contacted me because this person was caught at a bank cashing them. I do not remember the detectives name, the person who was charged is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times. Recently, on XXXX, XXXX, XXXX and today ; XXXX. Each time I have spoken with a supervisor to explain my challenge with the Date of First Delinquency being reported for two accounts ( both charged off ). One account is with XXXX XXXX and the other is XXXX XXXX. This is the challenge : 1. Equifax is reporting the DOFD for XXXX XXXX ( Balance {$10000.00} ) as XXXX, and I have a document created from Equifax 's website ( XXXX ) showing the DOFD as XXXX. 
2. Equifax is reporting the DOFD for XXXX XXXX  ( Balance XXXX ) as XXXX, and I have a document created from Equifax 's website ( XXXX ) showing the DOFD as XXXX. 

XXXX, I called and received the confirmation number # XXXX for both accounts. I will add this Supervisor was very professional and understood my challenge. 
XXXX, I spoke with XXXX who was extremely professional and promised to investigate my challenges and call me back. Although she said it would take time and promised to personally call me back ; I have yet to hear from her. 
XXXX, Today, I called only with the hope of gathering information/status via notes from XXXX and spoke with XXXX ( Supervisor ). The conversation was less than desirable, e.g., no empathy and lackadaisical effort to assist. She only suggested sending in the documents, which I tried to do on the XXXX, but had confidence the previous Supervisors would be successful, because of their eagerness to help. 

Special Note : I shared as a point of reference, and to validate my concern to each Supervisor to please take a peek at another account - XXXX XXXX, which is a collection agency, and connected with XXXX XXXX  ( I am not disputing the DOFD with XXXX  - this is only a point of reference ). XXXX XXXX  sent the account mentioned above to XXXX  - they would notice upon review that XXXX  is reporting the correct DOFD, which is the date for the account to be removed from my report as XXXX ( Reported by XXXX XXXX  ), not XXXX. XXXX ( Supervisor ) completed agreed and understood. XXXX ( Supervisor ) simply said, send in the documents. If I continue to dispute, based upon experience, the accounts will only update, and my scores will drop from the updated information - not the correct DOFD. 

I am asking for your assistance as a tribunal, and as a advocate for customer service to assist in having Equifax to correct the DOFD for both XXXX XXXX XXXX XXXX. It would be a blessing to also mention the learning opportunity should they decide to listen to recording, which will aid towards a meaningful culture. 

Please see the attached report from Equifax - XXXX. I also have more credit reports from Equifax saved since XXXX, which is when I started monitoring my credit from my previous mishaps.
Product: Checking or savings account

Chime financial allow XXXX to charge my account on XX/XX/2023 when my account was supposed to be refunded. Chime mislead my account by changing the date from XX/XX/2023 to XX/XX/2023 instead of putting the funds back in my account regarding a authorization hold the merchant gave me the authorization hold number XXXX for the hold to get released back into my account chime refuse to put my funds in my account. I had already waited five days for these funds and than a new date comes and I have to wait even longer regarding the same funds. I clearly been denied access to my funds by this bank and I seek relief XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For months now I have been trying to get Experian to remove and acknowledge their derogatory comments on my credit file. Experian wants consumers in debt. Prior to my paying off my auto loan and paying down my credit cards these comments were never displayed on my file. " All of a sudden '' as I have paid off nearly all debt, my score has dropped from XXXX with debt to XXXX with no debt. Experian continues to ignore my request to justify why they are reporting such things. They also fail to amend my old statement add my new consumer statement to my file as requested. Balances on my file are also incorrect but my statement needs to be added seeing Experian fails to explain their reporting.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$29000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint deals with Transunion not being truthful/being dishonest about the investigation results from a dispute which I submitted. I disputed the public record, and Transunion stated that it verified the public record with XXXX. I contacted XXXX and there are no public record on my XXXX consumer disclosure ( s ). On page 3 of the attachment from Transunion.comXXXX, it states that " if a bankruptcy appears in the public record section of your Transunion credit report, Transunion obtained information about your bankruptcy from our third-party vendor, XXXX. '' Well, I know that there are no bankruptcy records with XXXX, and also all of my XXXX disclosures have been suppressed, and I have a security freeze ( pages 6, 7, and 8 of the attachment confirms this information ). 
Because Transunion has been dishonest about there investigation results, I request Transunion delete the public record from my credit report immediately. 
As the attached documentation shows, XXXX has no record of a bankruptcy in my files, and also my XXXX reports have all been suppressed, and I have a security freeze. Transunion has stated that it uses the vendor XXXX to verify public records. I strenuously demand that Transunion delete the public record from my credit report.
Product: Checking or savings account

I opened an Everyday Checking account with Wells Fargo on XX/XX/17 with XXXX for an advertised promotion of XXXX incentive for new account openings. You can have purchases or direct deposits of {$500.00}. I qualified on my account with direct deposits and card purchases. I called WF, and customer service rep said it takes 45 days from my deposit of {$500.00} on XX/XX/XXXX, another customer service rep said she could not find the promotion, another customer service rep, my account did not qualify it was XXXX direct deposits a month and the incentive bonus was {$200.00} They did not even try to see if I qualified whether it was for the {$300.00} or {$200.00} bonus. I figured there was going to be a problem with this " bonus '', but I decided to give WF a chance to prove me wrong.
Product: Credit reporting

Inside of my background reflects a offense of XXXX this charge was dismissed and expunged and should not reflect in side of my background.
Product: Debt collection

On XX/XX/2020, @ XXXX XXXX I checked my XXXX  account and noticed my credit score dropped 92 points due to an account being placed in collections. I called XXXX the next morning ( XX/XX/2020, XXXX ; XXXX XXXX  ) reporting the account and creditor as fraudulent. I've never been to any doctor or hospital at all. I was never aware of the debt it was just placed on my credit report. I take my credit very seriously so I always check my report to make sure incidents like this don't happen. I've been in this situation before. 

This debt is not mine. I have the right to challenge any and everything that is placed on my credit report. I need this taken off ASAP. This is hurting my score and my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK DIVISION OF CHILD SUPPORT XXXX  XXXX   XXXX.
Product: Debt collection

I have a derogatory mark listed on my all 3 of my credit reports listed by a company name of XXXX XXXX XXXX. I do not and have NEVER had a contract signed with the listed company. According to my credit report the company is a third party collection agency for XXXX XXXX. By Law a third party company can not collect on a debt that is not belonging to them, so therefore it is requested that the debt listed in the amount of {$850.00} be removed from all 3 credit bureaus immediately. The company has failed, lacked to provide documents of the validity of the debt with their office and being that they can not provide a validity of the debt with them XXXX XXXX XXXX, the debt must be removed along with all call to cease!! I do not have a contract with XXXX XXXX and as a third party collector they can not collect a debt that is not owed to them!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time XXXX  emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX, and Equifax. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it.
Product: Debt collection

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, told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt Consent to these Hard Inquiries on my Report under Title 15 1681a and Title 15 1681 1 ( c ). I wasnt notified nor did I give written consent to these Hard Inquiries. Also, they Do not Match Up with My XXXX or XXXX which is In accurate information. 

Below You Will See the Hard Inquiries From Equifax XXXX. 

Then You will see my XXXX  and XXXX Please Remove the Inaccurate Inquiries and Information!!!
Product: Credit card or prepaid card

I applied fo r the American Express Blue Cash Everyday credit card. After 60 seconds my application was denied. I called into American Express for a reconsideration. After an additional 3 days of review my credit application was denied again. The reason for being denied was bankruptcy. On the rejection letter they cited   XXXX   as their credit information source for their decision. I logged onto my   XXXX    account that I use for continuous credit monitoring and looked on each line item on the report and looked on the public records tab and there is not a bankruptcy listed anywhere on my credit report ; therefore, I want to know how American Express is citing " bankruptcy '' as their reason for denial. I have excellent payment history and I have a good credit score.
Product: Payday loan, title loan, or personal loan

I applied for moneylion and there loan back in 2018. My first loan went smooth I made all my monthly payments no late payments at all. It was on auto pay. My first loan gets paid off. Then I apply for one more loan with moneylion to keep gaining credit with them and this was another {$500.00} loan. Loan # XXXX. 
The loan that ruined my credit and moneylion basically scammed me. First few payments are going well then my bank account got closed as I was no longer in high school and got a college checking account. First thing I do is try changing my account through the app didnt work! I tried calling multiple times, every time was an hour on hold and they wouldnt help me change my bank account they told me to change via app. So im missing payment after payment as they are not allowing or helping me to change my bank account. At this point i tried calling to pay off the whole loan on a different bank account and I still wasnt allowed. 
Since then my credit has dropped completely because of moneylion and it isnt fair after disputing with credit bureaus, calling moneylion, complaining with XXXX. I still have received no help at all. At this point Im ready to get a lawyer to help me with money lion and my credit. After a year of missed payments and finally getting a great customer service rep One of their own customer service reps said to dispute with a credit bureau and they would forgive me for paying off the loan in full and my payment wasnt with a different bank account they used my investment account and liquidated it as they still didnt allow me to change my bank account. 
Moneylion LLC ( www.moneylion.com ) I have seen several complaints from a lot of people about moneylion on XXXX, and other review sites. Ive seen class action law suits against moneylion. As you can see im not the only individual having this issue with them.
Product: Consumer Loan

First of all, I was invited or referred to different potential lenders/loan companies, by different matching agencies. Upon deciding to go with that lender, I 'll always try to make sure, its a preapproval type process, and the lender ( s ) would also advertise such thing! At the end of the day, mostly all my acquire lending decisions or choices were thru ; those types of lenders, that offer such renditions! In addition to that, the lenders provided the credit bureaus, info that should n't had been part of the decided factor! For instance, you ca n't make me have, a history with mortgage rates/payments, if in my lifetime I never own my home! I always, and still is in the renting business ( From landlords or apartments managers )! But, mostly all lenders uses this excuse, to disqualify or disapproval purposes, and main reason for or behind their decisions! Since, when in this Country ( USA ), this type of stuff is or became legal? Something is extremely wrong, and insane with this picture, America! Nobody or adults in the earthly realm should be punished, and discriminated against ; due to not being homeowners, and lacking that type of history involvement! This is what I would label as stupidity, garbage in/out, deception, ignorance, and insanity stuck on XXXX, and at its worst!
Product: Checking or savings account

On XX/XX/2019 my wife, XXXX was doing me a favor of cashing my paycheck ( in the amount of {$600.00} ) at the BBVA Compass branch at XXXX XXXX XXXX in XXXX, Texas XXXX. The check was properly endorsed, had the bank account number listed on the back as well and my drivers license was sent as proof of identity. 
A teller at the XXXX XXXX by the name of XXXX ( she refused to provide me with her last name ) refused to cash the check. She indicated that my wife did not sign on the account. Upon speaking to this woman on the telephone, I indicated that there has never been any problem with these transactions at any of the other BBVA locations. My concern and what I want addressed, is why these rules and regulations are not followed fully and FAIRLY among all customers and at all branches. This matter borders on discrimination. I am filing this complaint in an effort to bring these problems to light and ask that your office investigate the validity of the banks rules on cashing checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX & XXXX ( Original Creditor : XXXX ) XXXX XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, NELNET/US DEPT OF ED/XXXX  # XXXX Opened On XX/XX/2010 Account Status : XXXX XXXX Loan Showing Past Due : XXXX This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior request for validation of debt ( proof, attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. 

This letter will again request that you follow FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware. Estoppel by Silence legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense.