23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has XXXX found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Equifax personal credit report, which I acquired from your organization on XX/XX/2020 and I noticed an unauthorized credit inquiry had been made. 
1. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX 2. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX 3. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX 4. XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX 5. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX I contacted the above list conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the listed inquires on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 


If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Vehicle loan or lease

I had 2 years paying for my vehicle, and out of nowhere the financial company called Merficap repositioned the car a black XXXX XXXX XXXX I have not been able to get my car back and apart they have put a debt in my credit bureau. 

paid $ XXXX monthly and they have reported my credit for the total value of $ XXXX and aside an extra debt {$1300.00} These people who will send photos of evidence extorted XXXX $ extra to give me my car The owner of the company is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion Fraud Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH , XXXX XXXX, XXXX, XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 
ADDRESS XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS/INQUIRES/ COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX | XXXX XXXX XXXX| XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX| XXXX XXXX XXXX| XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN XXXX end the XXXX XXXX and XXXX  XXXX : ( XXXX XXXX to aTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX. UCC 1-308
Product: Mortgage

My name is XXXX XXXX. I filed a complaint with Specialized Loan Servicing ( SLS ) on XX/XX/XXXX. The CFPB case number was XXXX. I will include a pdf attachment of SLS 's response as well so that the responding agent may recall the case.

The response from SLS did not include an email address, or contact information to any specific agent to further communicate with them so I'm forced to make another complaint. Only a toll free number was included which is not helpful in this case. 

" If you have evidence of payments made that are not reflected on the pay history, we request you please submit proof of payment ( either a copy of the front and back of the cashed check or an unredacted copy of the bank statement reflecting the electronic payment to SLS for further research. ) '' Please see the attached document ; a copy of the bank statement reflecting the electronic payment to XXXX for further research. As previously stated, XXXX has shown proof they sent those payments over to SLS. 

I understand that my monthly mortgage and escrow payment increased by roughly XXXX XXXXXXXX XXXX. However, during that time, I was also making payments directly to my insurance. My insurance company had stopped collecting payments from my mortgage holder as well. 

I want to make this point abundantly clear ; I have never missed a mortgage payment since XXXXXXXX XXXX XXXX when I started making electronic payments. Please see to it that the proper research is conducted to allocate the funds in question. The funds being ; my electronic mortgage payments during the months of XXXX, XXXXXXXX XXXX  XXXX. 

Lastly, in the response by SLS, they confirmed that they received both my payments of {$910.00} on XX/XX/XXXX and {$910.00} on XX/XX/XXXX. I was forced to make those payments by your company, even though I had paid consistently each month ( via electronic payments ). SLS can not justifiably say they did not receive those payments because I have documented proof from XXXX that each mortgage payment ( in the amount of {$800.00} ) was forwarded to SLS. 

In summation, I need to be refunded either the three months of regular payments ( XXXX, XXXX, and XXXX ) or the XXXX additional payments made in XXXX ( the XXXX and XXXX ).
Product: Credit card or prepaid card

My card was used without my permission on XX/XX/2021 for several charges at XXXX, XXXX XXXX, and XXXX XXXX for a total of {$3900.00}. After speaking with Direct express about the transactions the customer service rep started the claim. She did not go over the charges with me she said that she would send me a form to fill out. I completed the form and included the charges that I did not authorize. Because the rep did not go over the charges with me and 2 charges were included in her claim from XXXX XXXX they denied my claim. I call back and spoke with another rep who said that he would send the email to the supervisor who would be able to reopen and they declined. Even though the rep said he can see that i never used my card the way it was used on the XXXX of XXXX and i have been with them a long time they refused to give my my money back. It is had to talk to this company and they take advantage of people.
Product: Checking or savings account

Using the XXXX XXXX app and the bank does n't communicate often with the app
Product: Vehicle loan or lease

VEROS CREDIT XXXX XXXX ACCT XXXX I CALLED VEROS CREDIT TO HANDLE ACCOUNT THAT THEY HAD WITH ME BUT THE LIE ON THE CREDIT REPORT ON THE OPEN DATE AND CLOSED DATE I REQUEST PROOF OF CONTRACT WITH THE ORIGNAL HOLDER NOR SOLD OF THE CAR APPRISEL AMOUNT WHEN THEY SOLD THE CAR THE CONTRACT WAS OPEN 2016 THE HELD THE ACCOUNT UNTIL The exact length of California 's statute of limitations depends on whether the debt is based on a written contract or oral promise. In the case of a written contract, the statute of limitations is four years. But if it is an oral promise, the limitation period is just two years. WHICH VEROS VIOLATED MY RIGHTShe statute of limitations on debt in California is four years, as stated in the state 's Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a paymenta. The Basic Rate : The California Constitution allows parties to contract for interest on a loan primarily for personal, family or household purposes at a rate not exceeding XXXX XXXX  per year. THEY ALSO WAS VERY NASTY RULED WHEN TRYING TO SPEAK ABOUT THE LOAN AND ALSO THE CALL WAS RECORED SHE WAS CUT ME OFF IN SAID THE WRONG THINGS I WAS A CO SIGNER NOT THE ACTUALL OWNER ALSO THEY FRAUD THE APPLICATION MADE ME THE PRIMARY OWNER WHEN INDEED I WAS TOLD I WAS THE CO SIGNER BUT IT PASSED THE LIMITATION. COMPANY IS VERY RULED DIDNT WANT TO WORK IT OUT BECAUSE OF THIS IS CAUSE A HARDSHIP.
Product: Debt collection

A company named XXXX XXXX has called me repeatedly, including in the middle of hurricane Ian, and has not told me any information about the debt. I have continued to ask them not to contact me by phone but to contact me by mail only. I have not received one thing in the mail but they continue to call and text me from all different numbers. This is all during a time when Ive lost my dad, my dog and my ex, which we remained friends, and added unnecessary emotional stress. If I knew what the debt was from I would have setup an arrangement to pay as I have worked very hard to fix my credit over the last 20 months. I dont even see anything new on my credit so at this point its obviously just harassment and wish to peruse this to the extent possible. I apologize for the vulgarity in one of the attached text messages but this was after many phone calls including one the day after my XXXX XXXX the woman called me back twice after hanging up on herXXXX you in advance.
Product: Vehicle loan or lease

I purchased a XXXX XXXX  for work, but the job didnt pan out as I only drove the van home and back to the dealership. The van was never officially transferred into my name, so the mileage was just from my house to the dealership. I contacted the bank, XXXX, who informed me that the dealer could potentially dismiss the loan. The dealer 's GM at the time agreed to take the vehicle back if I bought another car from him, assuring me there would be no negative equity carried over. 

I visited the dealership late one night, selected a XXXX  XXXX, and was hurried through the process. I was told everything was handled, but then I was pressured to sign the papers or face consequences for my credit. Unfortunately, they carried over over {$10000.00} from the van, putting the SUV in negative equity. Additionally, it took them three months to process the state paper title. 

I've filed a complaint with Mercedes-Benz USA ( Case Number XXXX ) regarding these issues, and now the SUV is already in the shop for repairs. Ive made a down payment twice, and all I want is a fair resolution. I work hard and believe that the negative equity should be covered. The previous GM is no longer with the dealership, and while the new GM expressed sympathy, he said theres nothing he can do since its already been processed. 

The dealership in question is Mercedes-Benz of XXXX XXXX GA, located at XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Their phone number is XXXX XXXX XXXX XXXX. 

Please help me resolve this situation. If no one can assist, I may have no choice but to default on the loan, as this situation is unjust. 

Thank you for your time and attention.
Product: Checking or savings account

Actions Taken : I am writing to address an issue related to my information being shared with Early Warning Services. To my knowledge, there has been no formal written instruction from me, either express or implied, authorizing the sharing or furnishing of my information with Early Warning Services.

I have reviewed my credit reports and found that my information has been shared with Early Warning Services without my explicit consent. This is concerning, as I believe this action may have an impact on my privacy and financial security. 

I have contacted the relevant parties involved and followed the necessary steps to rectify this situation. However, I have not received a satisfactory resolution to date. 

I kindly request that Early Warning Services promptly cease the sharing of any information pertaining to me, and that you confirm in writing once this process has been completed. 

Please be advised that this request is in accordance with my rights under federal law, and I expect full compliance with this request in a timely manner. 

Thank you for your attention to this matter. I look forward to your written confirmation of the completion of this request.
Product: Credit reporting

I have been working with Equifax for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. For one thing XXXX has removed the XXXX Bank card because they found that they could not match my information with the ones they had on file and I thought that all of the bureaus report the same information so if XXXX removed it, why doesnt Equifax? There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. Equifax also for some reason reports the account I have with XXXX XXXX as currently XXXX59 days, this is impossible since the account has a XXXX balance! XXXX isnt reporting this as past due so why is Equifax??? They keep telling me this has been verified with the company but it couldnt have if XXXX is reporting something completely different right???
Product: Debt collection

I moved from XXXX to XXXX NM and had paid all my final bills shortly after moving in XXXX. I had all my mail forwarded to my new residence. I had not received any more bills from the XXXX XXXXXXXX XXXX XXXX XXXX after moving. In fact, I called them to make sure the account was disconnected and everything was paid up. I was assured by the company everything was good. 

On XX/XX/2023, I received a bill from XXXX for {$34.00}, stating they were going to send my bill to collections. I was surprised to see this, but quickly sent a check on XX/XX/2023. I checked my bank statement dated XX/XX/2023 and saw they cashed the check. 

On XX/XX/2023, I received a letter from Diversified Adjustment Service, Inc a debt collector, claiming I had not paid the debt. 

This kind of incompetence is infuriating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX wrongfully flagged me to credit reporting agency Experian with an account that is NOT affiliated with me/my social security number. They ruined my credit score and by extension my life. When contacted, they were not conducive nor respectful. 

I was notified by my own bank that there's abnormal credit activities on my credit report, namely a XXXX credit card account -- XXXX XXXX XXXX -- that I have no knowledge of ( and it's over credit limit ). After spending one hour, through Experian, I found out that it's a XXXX XXXX XXXX XXXX XXXX account with the account number and associated billing address, both for which have nothing to do with me. I spent more than another solid hour to call the XXXX number affiliated with the card ( XXXX ) XXXX for 5 times and went through a maze of voice prompt without being able to reach any person, which seems to set out to frustrate/deter consumers. Then I spent the next entire THREE hours talking to XXXX XXXX general customer service representatives at XXXX for 11 times and put on hold for numerous times and got disconnected numerous times. The basic fact is that XXXX XXXX credit card unit admitted that they couldn't find any affiliation between my social security number and that account fraudulently linked to me yet they posted that account and its abnormal activities my credit report. During the process of my trying to figure out what is going on and who are responsible for this error in order to hold the responsible ones accountable, I was repeatedly disconnected after the XXXX representatives put me on long hold under the pretense that I'll be connected to supervisor or someone who has authority to right this wrong. After each repetition of descriptions, I was put on hold for over 20 mins then randomly got disconnected. This process repeated no less than 11 times in total. 

And how can a financial institution producing many financial products/credit cards treat consumers with such detrimental negligence and utter irresponsible disrespect!? XXXX XXXX must be held accountable and so are the specific individuals involved in this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/22 I SENT CERTIFIED FTC REPORT AND 605 B LETTER TO EQUIFAX INFORMING THEM I HAD BEEN A VICTIM OF IDENITIY THEFT. EQUIFAX IN RETURN DROPPED MY CREDIT SCORE TO XXXX. IVE TRIED REACHINGTHEM BUT COULDNT GET ANY HELP FROM THEM THIS IS REALLY HINDERING ME
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Inquiries on Credit Reports To Whom It May Concern : I am filing this complaint against XXXX, XXXX, and TransUnion regarding unauthorized inquiries on my credit reports that I have repeatedly attempted to address without resolution. I believe these unauthorized inquiries may be connected to a data breach in which my personal information was exposed. I filed an FTC Identity Theft Report ( Report Number : XXXX ) to document this breach. 

Background : Upon reviewing my credit reports, I noticed several inquiries that I did not authorize. These inquiries have negatively impacted my credit score and financial standing. I have sent dispute letters to the credit bureaus, outlining the specific unauthorized inquiries and requesting their prompt removal. However, my attempts to resolve this issue through phone calls have been unsuccessful, as I was unable to get a representative on the phone. 

Details of Unauthorized Inquiries : XXXX : - XXXX XXXX XXXX I XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Actions Taken : 1. Sent dispute letters to XXXX, XXXX, and TransUnion requesting the removal of unauthorized inquiries. 
2. Filed an FTC Identity Theft Report ( Report Number : XXXX ) due to the exposure of my personal information in a data leak. 
3. Attempted multiple phone calls to the credit bureaus but was unable to reach a representative. 

Resolution Sought : I request that the CFPB investigate this matter and ensure that XXXX, XXXX, and TransUnion take the following actions : 1. Remove all unauthorized inquiries listed above from my credit reports.

2. Implement measures to prevent further unauthorized access to my credit information.

3. Provide confirmation in writing once the inquiries have been removed. 

I appreciate your attention to this matter and look forward to a resolution that restores the accuracy and integrity of my credit reports. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Email : XXXX -- -
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not clo4se this complaint stating it is not me. I am a natural person and a consumer.