23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Predatory Student Lending, Request Student loan Discharge and Forgiveness. 

Request to have student loan discharged or Forgiveness. 

I believe the XXXX XXXX XXXX practiced Predatory Student Lending. 
I sent this information XXXX ( see attached letter ) to the Department of Justice in an attempt to get assistance with raising awareness of this schools inhumane practice of getting students to sing up for their classes and then leaving them in student loan debt due to sub par Classes and training. 
It has been brought to our attention that this school is no longer open. In fact the schools have all but closed due to its misrepresentation to offer a degree and paying job to match its high tuition. There are a few left, but the mail ones from XXXX, XXXX and XXXX have closed. 
The only number to call and speak to anyone and they dont offer any options to gather transcripts is other than email. There is no one to speak at XXXX XXXX about this situation. 
I have sent my email request to : from : XXXX XXXX XXXX to : XXXX date : XX/XX/XXXX, XXXX XXXX subject : I need my transcripts please mailed-by : XXXX I await a response, here is the info from the website. 

Transcripts We have processed XXXX transcript requests to date and have an additional XXXX being processed. If you need transcripts but have not ordered them, please check back on this page after XX/XX/XXXX for instructions on how to do so. If you have an emergency ( i.e. a licensure deadline, a deadline for a company hiring you, etc. ) you may send a follow-up email to XXXX.
Product: Debt collection

Between XX/XX/XXXX and XX/XX/XXXX the company CBE Group has  called my phone after XXXX XXXX a total of 19 times. The majority of these phone calls was made at approximately XXXX XXXX, with one at XXXX XXXX. I currently live and work in XXXX, XXXX and have been here since XX/XX/XXXX. I have no debt that I am aware of, and this company never picks up the phone when I attempt to contact them when I wake up in the morning. I'm sick of getting phone calls in the middle of the night from this company, it needs to stop.
Product: Checking or savings account

I used my atm card issued by upgrade and did not receive any funds I tryd processing the same XXXX withdrawal transaction 5 different times because I kept getting error message andy car note was pass due. Finally after the fifth attempt I left the ATM totally unaware that what that error messages code it was displaying some in regards to them taking my money. nevertheless once I found a total of XXXX was missing from my upgrade checking account I immediately called upgrade to dispute the missing funds. Upgrade failed to do a proper investigation and as yesterday XX/XX/23 they representative told me they were unable to provide documentation used in the investigation to deny my ATM. Upgrade has clearly violated my Consumer rights by not giving my money back, providing documents in a timely manner and by not communicating none of this dispute process with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX  account number XXXX, has violated my rights.

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX accountXXXX XXXX  XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX  account emergency XXXX XXXX, has violated my rights. 
In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXXXXXX 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 connot furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorougn investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
I want the CFPB to publish this description on consumerfinance.gov
Product: Checking or savings account

I was visiting friends in XXXX XXXX and trying to buy pizza when my card payment wasn't going through, I called my bank ( Global Credit Union ), who turned my card back on. About a week later after returning home to XXXX  my card was declined when paying for sushi, I went home and checked my account to find it had been drained of almost all funds via XXXX purchases from XXXX  using my debit card information. I immediately called my bank and reported the fraudulent charges, my card was shut off, but I was told the fraud department wasn't open on weekends so they would contact me the following XXXX  after the long weekend. I spoke to an agent who told me that a total of {$13000.00} had been taken out of my account through XXXX separate transactions and a provisional credit would be given within 10 days, which I never received. I called Global Credit Union close to the 10 day mark and asked for an update, they told me they weren't going to issue a refund because the charges in question had been approved by me, which is false. I've been trying to speak to a manager or someone who has authority over my case and I've been told repeatedly that no managers are available, or they aren't working that particular day. I've also asked multiple times for the documents they said they have regarding their decision on my case and they haven't given me anything. I spoke with XXXX who refunded {$2700.00} worth of fraudulent charges, but they said the other charges were marked for charge back by my bank and they couldn't refund those ones.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 28 USC 1746 Unsworn declarations under penalty of perjury
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear XXXX XXXX, The reason why I am contacting you is to discuss a couple of late payments that greatly affected my current credit score. Through my four leases with XXXX my payments have always been on auto pay so there would never be a situation with me not making a payment towards my lease. If you take a look at my payment history I have never made a late payment and as I previously mentioned I am currently I am on my fourth XXXX lease. Back in XXXX my bank was XXXX   XXXX and when I was notified that they would be transitioning to XXXX XXXX, I decided to change banks and opened an account at XXXX XXXX XXXX XXXX. My account was opened on XX/XX/2016 and this is the reason how I received my two missed payments. Because I was going to get a whole new account this one was not on auto pay yet I then made a one-time payment online in XXXX for my XX/XX/2016 payment. This is where there is a problem ; I set up auto pay and requested that my one time payment be reversed because I could not afford to make two XXXX payments so I was reimbursed the {$340.00}. A few weeks went by and I was wondering why there was no payment for XX/XX/2016 and that is when XXXX XXXX contacted me and said that I did not make a payment for XXXX. I mentioned that I did set up auto pay but I guess I didnt do it right so the agent helped me set it up. The agent then said that auto pay was set up and that my XXXX payment will be my XXXX payment and I would have to make two payments in XXXX that would take care of my XXXX and XXXX and with that I would be on track once again. Now at the time I did not think that would make late payments on my account because I was doing exactly what the agent at XXXX XXXX told me to do. Now when I looked at my account my credit score dropped from XXXX to XXXX. There are no other dings on my account except for XXXX. I was wondering if those late payments could be taken off my credit report because I did exactly what the XXXX XXXX Agent told me to do. 

This is what XXXX told me to do and it destroyed my credit report! 
I called them several times and they said that they could not fix it! 
They told me to write a new letter and sound like and a**hole and maybe they would fix it! 
I called again and nothing! 
Plus the only to contact them is by email! They have no phone or fax for their department!

I have leased 4 vehicles through XXXX and have always been on autopay! Until having to switch banks is what caused this! 

Please help me!
Product: Checking or savings account

Dear Wells Fargo Customer Service, I am writing to formally address a serious concern regarding unauthorized fees and services that I understand may have been in my name, including credit monitoring services that I never agreed to. I have been a loyal Wells Fargo customer, and I am deeply troubled by the violation of my rights as a consumer. 

It has come to my attention that there was a settlement regarding XXXX XXXX unauthorized accounts and service practices, which affected numerous customers, including myself. Despite being aware of the settlement, I have yet to receive any compensation or restitution for the unauthorized accounts and services that were opened in my name without my consent. 

As a long-standing customer of your bank, I trusted Wells Fargo to handle my financial matters with the utmost integrity and transparency. However, the unauthorized opening of accounts and services, including credit monitoring, without my explicit permission has breached that trust. 

To resolve this matter, I respectfully request the following : 1. **A complete investigation** into the unauthorized accounts and services opened in my name, including any credit monitoring services.

2. **Compensation** for any fees or charges incurred due to these unauthorized accounts and services and the restitution due under the terms of the recent settlement.

3. **Confirmation** that all unauthorized accounts and services have been closed and removed from my records without negatively impacting my credit report or financial standing.

4. **Assurance** that such practices will not occur again and that my account will be protected from any unauthorized activities in the future.

I trust that Wells Fargo will take immediate action to rectify this situation and ensure that my rights as a consumer are fully respected. Please respond to this letter within 15 business days to confirm receipt and provide an update on the steps being taken to address my concerns. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This is actually Part 2 to the feedback I submitted earlier this morning after the company finally decided to respond to my original complaint on XX/XX/XXXX. 

MoneyLion takes days to respond to any email. I find it interesting they called ( XXXX ) and left a vm Friday XX/XX/XXXX in the am. I tried to call back later that afternoon and was on hold for several minutes. The menu never offered a " complaint '' department. I sent an email explaining I called back and didnt get to speak to anyone and advised them to email me. 

Yesterday I get 3 back to back calls from MoneyLion or as it says when you call back " XXXX XXXX '' and a vm from XXXX. I could not return her call yesterday. Then I wake up to this response conveniently after I have missed their calls. A whole 2 days and yet they took well over a month to respond to my complaint. 

I stand by what I said. I was told BOTH the membership and the loan would no longer come out of my account. I was NOT able to access my loan via the app after a certain time period. If I clicked on loan, it showed me a pie chart with the loan amount, due date and what was paid-that is all. 

Money Lion claims I use their services. What services? Please do explain how I benefited from this besides the loan? I can see the payment history, loan amount and balance remaining but what else? You say I'm still using your services for which the membership covers ... how? 
I havent logged onto this app in weeks-in fact it's no longer on my phone and hasnt been for awhile. 

I plan to repay this loan off as I did take it out but I will NOT tolerate half truths or MoneyLion trying to conveniently do things to point things in their favor such as finally calling me just days under the 30 days of the complaint and then jumping on here to respond just one day shy of the 30 days from the original complaint to make it seem like I am the one not cooperating. 

I called back XXXX this XXXX. She left the vm with an extension which once again there is NO option for. Spoke with XXXX and told her to have XXXX call me back or preferably email so I can document ALL communication.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX  XXXX in regards to XXXX separate reports made to XXXX XXXX XXXX XXXX in the 36 months prior to XX/XX/year>, disclosing sensitive Nonpublic Personal Information in regards to my Consumer Checking Account. In my Agreements with XXXX XXXX XXXX, I was told my information would never be shared with any third party non-affiliate. In their words, they dont share. I asked XXXX XXXX XXXXXXXX to provide evidence that XXXX XXXX XXXX XXXX is in fact a direct affiliate or compensate me for damages in alignment with the Willful Noncompliance remedies set forth in FCRA. ( 15 USC 1681n XXXX XXXX XXXX XXXX has refused to respond in writing to these findings or compensate me for violating my privacy among other damages. XXXX XXXX XXXX also reported my XXXX no less than XXXX times and requested information about me at least once in the same time frame, however I do not, nor have I ever had any kind of an account with XXXX XXXX XXXX. They are subject to regulations and statutes that would prevent them from ever making that report and receiving that information. They would also be required to provide an opportunity to Opt out. And then theres the issue of how did they have access to my XXXX  XXXX XXXX checking account information to be able to report these transactions. And Lastly, there was a checking account opened with USAA that was reported to XXXX XXXX XXXX XXXX with fraudulent information, including an address I have never seen, a phone number Ive never had, and an email address that Ive never seen and is clearly fraudulent. Not only is the account not mine, but I do not have any Military family members nor am I in the military, so I have reason to believe USAA opened it on my behalf fraudulently, and reported it to XXXX XXXX XXXX XXXX without my permission. According to the XXXX XXXX XXXX report I received also shows the USAA account that was opened has been closed and the information was purged, which is a violation as it is required for all Banks to hold information pertaining to accounts for at least 5 years, and it was opened and closed within 1 year.
Product: Checking or savings account

On Friday XX/XX/XXXX, XXXX XXXX XXXX that is powered or run by customers Bank decided to close my account when I stood up for myself on why it is taking more than 4 days to receive a deposit. Now that my account is closed I have {$350.00} in there that I have no control over. And they won't send me my money. I can not contact them. I tried to call and it doesn't go through. I tried to send messages to get an answer on when I will be receiving my money and it does not go through either. Basically they will not talk to me and a money is just sitting in an account that's closed that I have no control over I can't move it I can't touch it I can't use it. I am currently out of work because a company went out of business I haven't received a paycheck in 2 months that {$350.00} is all the money I have in the world I'm a veteran and a father and this is uncalled for and unnecessary. They are basically just stealing my money and putting it right in front of me and no one cares.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting or other personal consumer reports

Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them form my report. Please..
Product: Checking or savings account

My wife and I shared a checking account with Citizens bank. In early XX/XX/2019 my wife passed away. She had previously authorized Citizens Bank to withdraw automated payments of {$16.00} per month with a Vendor named XXXX, as I recall. ( Note : I was not involved in this commitment at all ). I went to Citizens Bank several times over the past few months, first with her death certificate to have them stop these withdrawals, yet they continued to take the money from my bank account every month. They suggested I take her name off the account, which I didn't do as this would have messed up the Social Security deposits. Recently, I went in to close the account and they told me that if the {$16.00} withdrawal requests continued to come to the bank, they would have no option but to reopen the account and charge me for these unauthorized withdrawals. Meanwhile, they have already withdrawn 4 payments that were not authorized. Its bad enough that I've had to deal with the passing of my wife, having this added stress is so disrespectful, discourteous and heartless. Note : I relocated to XXXX XXXX, CO and wanted this resolved before I moved, however, they have refused to cooperate despite all my attempts the past several months.. Please also note, I am a Senior citizen, XXXX years old, retired and also a Veteran.
Product: Debt collection

On XX/XX/16 Newrez, received my " Qualified Written Request '' pursuant 12 CFR Chapter 27 ( RESPA ). Newrez is in violation of " 12 CFR 1024.36 - Requests for information ( c ) Acknowledgment of receipt. Within five days ( excluding legal public holidays, Saturdays, and Sundays ) of a servicer receiving an information request from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the information request ''. I have not received the acknowledgment of receipt during the time stipulated by the law. This violation has caused me mental distress, emotional distress, and monetary loss of up to {$6000.00} due to the threat of foreclosure.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice that I have XXXX late payments on the account that I would inaccurate. I have never given the consumer reporting agencies any form of consent or approval to display or give out my personal information to the public.15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Also, section B. states. Financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Therefore, please investigate the account payments for the dates that I have included screenshots inside this complaint in on dates of ( XX/XX/XXXX ) ( XX/XX/XXXX ). Please also provide proof showing that these should be public information. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact they we're never late. Thanks. Please see screenshots attached :