23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX in XXXX XXXX concerning fraudulent and deceptive practices that significantly influenced my decision to enroll and finance my education through private loans. 

During my enrollment process, I was explicitly assured by representatives of XXXX XXXX XXXX that XXXX typically secure employment with salaries in the six-figure range. This representation was a crucial factor in my decision to undertake significant financial obligations under the belief of obtaining a high-paying job post-graduation. Unfortunately, this turned out to be patently untrue and grossly misrepresented the actual employment outcomes of the program. 

It is also pertinent to note that, as a result of legal actions taken against the school for similar fraudulent activities, federal student loans have been dismissed for many students. However, this relief has not been extended to private loans like mine. This discrepancy has left me, and others who were similarly misled, burdened with significant debt under false pretenses. 

Given the school 's history of deceptive practices, which have been acknowledged and rectified in the case of federal loans through court decisions, I am urging the CFPB to consider the implications for students with private loans. I am more than willing to provide any documentation upon request to support my claims and assist in this investigation. 

I appreciate your immediate attention to this pressing matter and look forward to your assistance in achieving a fair resolution that considers the deceitful circumstances under which these loans were procured. 

Thank you for your prompt response to this urgent issue. 

Article regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681i. 

The disputed item ( XXXX ) is/are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I believe this/these item ( XXXX ) [ XXXX ] inaccurate for the following reason ( XXXX ) : I'm affected by the XXXX XXXX XXXX. 

Pursuant to 15 USC 1681i ( a ) ( 1 ), you are required to investigate my dispute and verify the accuracy of the information within XXXX  days of receipt of this letter. Additionally, under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), if the investigation does not result in the correction or deletion of the disputed information, you must provide me with a detailed description of the investigation process, including the contact information of the furnisher of the information. 

Further, if the disputed information is found to be inaccurate or incomplete, I request that you promptly delete or correct it, as required by 15 USC 1681i ( a ) ( 5 ) ( B ), and send me a corrected credit report reflecting these changes. 
To assist with your investigation, I have attached the following documentation : Please confirm receipt of this dispute and inform me of the results of your investigation in writing within the time frame required by law. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I always paid this loan as required. 
I paid the last payment and SLS sent it back 3 times causing the problem I paid the loan off in its entirety
Product: Mortgage

In attempting to refinance my 40 yr mortgage to a 15 year mortgage ( Which I believe we were completely taken advantage of during the recession ) declined us stating a lien was placed on our property - with no proof of such a lien even exists. In the meantime my credit report is good and my standing with Ditech is good - always on time. I believe they are deliberately trying to keep us in the 40 year loan solely for shear profit making. Please Help!!!!!
Product: Payday loan, title loan, or personal loan

Affirm extended loans to consumers for XXXX XXXX XXXX. XXXX was scamming consumers by shipping them defective products or by refusing to ship the products at all once paid through third-party-financer Affirm. Affirm failed to do its due diligence against XXXX prior to extending third-party financing to consumers. XXXX likely could not have operated this scam without Affirm. Yet, Affirm continues to collect on these debts.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. 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 report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX$1500.00} XXXX XXXX XXXX XXXX {$46.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

My name is XXXX XXXX I am trustee to XXXX XXXX XXXX which was created by Attorney XXXX XXXX XX/XX/XXXX. XXXX instructed the bank to print out all the updated beneficiary forms and have them ready for XXXX signature so that they would line up with her wishes in her trust ( See XXXX XXXX email to bank Exhibit A ). XXXX XXXX ( XXXX XXXX XXXX ) printed out all the beneficiary cards to have signed. Little to anyones knowledge at the time he forgot to print out the XXXX XXXX policy and it was not included in the paperwork that her attorney picked up. 

Gross negligence from the bank was demonstrated even further when XXXX XXXX received the documents and never caught his mistake on 2 of XXXX policies. 

1. XXXX XXXX XXXX XXXX was never received in their system. 
2. XXXX XXXX  XXXX policy did not pay out due to a missing check mark on primary or contingent. 
I visited the bank in XXXX of last year and sat down with XXXX XXXX assistant and asked her to make sure all the proper forms were in XXXX filed. She assured me verbally they were. Once again the bank was given a opportunity to double check their work and they failed to do so. 

I then hired a attorney in XX/XX/XXXX to help me and they reached out to the bank to ask if all the updated beneficiary forms were on file. They responded to my attorney and assured us everything was in good working order. Once again the bank was given a opportunity to double check their work which they failed to do so. ( Exhibit B ) On XXXX XXXX I received a call from ARVEST bank from XXXX XXXX XXXX ) assistant crying on the phone saying she made a mistake and never sent in the updated beneficiary form to XXXX XXXX. I immediately called XXXX XXXX and gave them all the emails between the bank and myself showing them that XXXX wishes were to update her forms and the bank stated that they were sent into XXXX XXXX. 

I am including the final decision from XXXX XXXX saying they will not pay the Trust ( Exhibit C ) Luckily the XXXX house policy all the forms were correct and they did pay the trust. The final XXXX XXXX XXXX has stated that the beneficiary form was not filled out correctly because a check mark is missing from the form and although hey believe the trust is the rightful beneficiary they want the trust to negotiate with the sisters. This is once again huge negligence on the bank. I would also like to add that XXXX worked under XXXX and processed XXXX paperwork and was only at her job one month and XXXX was the first person she ever handled these types of affairs. 

I am also including the following documents for your review. 

Exhibit D- XXXX  XXXX  XXXX  Letter of no pay to the trust. 
Exhibit E- XXXX  XXXX  XXXX  Signed beneficiary by XXXX XXXX XX/XX/XXXX Exhibit XXXX XXXX Exhibit G- Time line of events The bank in question is Arvest Bank XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Personnel I have tried to deal with to resolve this issue- XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had XXXX $ in Bank of Amrica. It is an Account just for savings. So I never used that account. In 2020 somebody could access to my acount and made lot of XXXX and transactions and took all the money. I went to Bank of Amrica and said it was not me, but they haven't refund my money. They are responsable for not having a secure system. So I need my money back.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumbeXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights XXXX Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled an account I had with XXXX that had gone to collections. The collection agency promised to close the account and show a XXXX balance on my credit report once I settled the outstanding balance. After settling the account the collections agency ended up reporting the account with a charged-off balance and shows as still active. I disputed the information with Experian to no avail, despite submitting documentation from the collection agency stating the terms of the settlement having been met. See attached.
Product: Credit reporting or other personal consumer reports

Bank of America XX/XX/year> - XXXX  Application XXXX XXXX XXXX sated : Foreclosure or Repossession ( error ) Length of time accounts have been established ( my accounts are over a year old ) same day reapplied Application XXXX XXXX XXXX stated : Insufficient equity and/or down payment ( error ) Foreclosure or Repossession ( error ) XXXX XXXX XXXX XX/XX/year> Unable to verify application ( error ) Record of repossession or deliquency
Product: Debt collection

I went into a store that was still XXXX and XXXX Colorado on XXXX XXXX around XXXX or XXXX of 2020 and paid cash for a phone and had the receipt and still do. But whenever I mentioned I had to receive that was whenever I contacted XXXX multiple times, tried to go to the store immediately after finding out only to find out that the store have been shut down due to a XXXX XXXX and never reopened because they were shortly bought out by XXXX. I have discussed this issue with rent multiple times before and after they were bought out by XXXX getting hung up on or told I would call back by somebody that would be able to help, XXXX  has not been able to help either. The charge is for a cell phone that I sent in to get replaced and never got back so not only were they able to still almost {$400.00} cash and ruined my credit, but they were able to still an entire phone from me as well. Like I said I do have proof of all this as well as well as the receipts. I have even contacted and disputed the charge with XXXX XXXX but they said that the charge is verified even though I have attempted multiple times to get them to prove my debt, knowing that they won't be able to as I have the receipts of the pay bill
Product: Mortgage

1. I obtained my home mortgage in XXXX. OCWEN is the third holder of the mortgage but the first and only to contact me repeatedly with various demands since they took over the mortgage in XXXX. 
2. OCWEN asked for and I sent them a copy of my SSN and XXXX. I had to send it to them about 5 times total by mail, fax and email because they kept calling me non-stop including Sundays despite assurances otherwise claiming not to have received them. 
3. In late XXXX, OCWEN asked for my evidence of insurance. Although, I had never been asked for this evidence by any of the prior mortgage holders, I dutifully sourced it from my HOA and uploaded it to their designated website. This month OCWEN has come back to say that my insurance does not include " Betterments and Improvements '' coverage and as a consequence they have purchased the XXXX coverage for me at {$630.00}. 
4. In XXXX XXXX, OCWEN notified me of increase in my interest rate from 7.125 % to 7.500 %, hence my monthly mortgage from {$710.00} to {$730.00}. 

I believe that OCWEN is incompetent and fraudulent based on the preponderance of similar complaints against them online. I seek your protection from OCWEN.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 - XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. 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 report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$520.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$360.00} XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX
Product: Debt collection

Sued and garnished for over {$6000.00} by portfolio recovery associates. I believe used illegal collection tactics. Without legal notifications. I have court XX/XX/2023 with this collection company. Look forward to disputing the claims in court. No surprise that this company is currently under investigation. Typical behavior from a company that will do almost anything for the almighty dollar. Hope this company is investigated thoroughly.
Product: Credit reporting or other personal consumer reports

On or around XXXX of 2024 I noticed my Old Navy card was lost. I went online and the card had been used fraudulently and I notified the company. I had to contact the company more than 20 times over the course of the last three months and I find that the customer service is sub-par and lacking in any kind of professional skills. Many calls were answered by customer service outside the United States and the hold times were long and sometimes dropped. 

On XX/XX/XXXX of 2024 I received a letter stating the fraud investigation was closed. On or around the end of XXXX I noticed that all of the charges were put back on the card. I continued to contact the company and on XX/XX/XXXX received a call from corporate and an email from XXXX ( no last name provided ) that the issue would be resolved. I have yet to receive a follow up call. 

On or around XX/XX/year> I spoke to customer service rep XXXX  ( XXXX ) in regards to my account. He gave me information on where to send any information for the fraud investigation. I asked for the investigation notes, or any documentation that was used to confirm the fraud follow up. The conclusion is that since the chip was used it what he said fraud. 
What a horrible and demeaning thing to say and the idea that the customer of the fraud investigation was lying is repulsive. Of course the chip would be used if the card is being used unless the card is swiped. I asked for evidence that was used in the investigation like people they spoke to, any videos and there is none. 

Barclay prides themselves on Respect, Integrity, Service, and Excellence and Stewardship. I find this to be laughable when the company has employees that can't even take a fraud investigation into account. I will continue to make complaints until Barclay 's is sanctioned for unethical practices. A payment is due and I will not being paying that because the account is in fraud status.
Product: Debt collection

The creditor in question, XXXX, XXXX XXXX XXXX, XXXX ( hired by Midland Funding LLC of XXXX XXXX, OK. ) continued to attempt collection from me on a credit card account I had no knowledge of AFTER I advised them I had secured an attorney. I have several of their FDCPA violations documented, including in a document I filed through the XXXX District Court. Each time they violated the FDCPA and/or FCRA, I made them aware of violation ( s ) and advised them to contact my attorney. However, they continued to contact me ( by mail ) directly rather than contact my attorney. I provided XXXX, XXXX XXXX XXXX, XXXX with my attorney 's name and telephone number but they still continued to violate FDCPA rules with total disregard for my rights as a consumer.
Product: Credit card or prepaid card

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX has access to my identity. He switched my password, email, and phone number on my Wells Fargo account. The switch triggered a notification within Wells Fargo 's computer system and they notified me. The card has been since locked. I was notified before any charges were made. Good on Wells Fargo. Get the ID theft XXXX.
Product: Debt collection

Bonneville Collections is reporting a debt on my credit file that is not mine. They are saying I owe XXXX money but I do not. I had an account with old roommates but once I moved out I cancelled all services with XXXX and paid the final bill. I am unsure as to why this is reporting.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XXXX XXXX XXXX XXXX  ]. Please investigate and provide proof with statements showing that these payments were late. 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 I was never late. Thanks! Please see screenshot attached :
Product: Credit card

I've consistently ensured that payments are made promptly on this account, avoiding any occurrences of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections must be made.
Product: Credit card

We started to see more charges from Advertising on our card that we did not authorize. We even had XXXX state they couldn't bill our card yet we kept getting charged for XXXX charges. We requested the card be removed but it took a long time to get it removed and XXXX kept allowing these charges when I called and asked to stop allowing them.