23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX 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 six 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 of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. 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

Under 15 US Code 1666 ( b ) - Correction Of Billing Errors no late payments should be on a consumer report
Product: Student loan

MOHELA placed my loans automatically in deferment in XX/XX/2023 instead of letting me resume payments. I tried to set up payments again online prior to the hold ending but it was not possible online. I sent two secure messages with no reply asking for them to remove my deferment status ( inaccurate ) and let me resume payments. I have also tried calling twice and been on hold for over 40 minutes each time with no help. They also have inaccurately processed my PSLF ( public service loan forgiveness ) forms. I also mentioned this in my messages but never received a reply. I sent in several PSLF forms but they did not process them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX is being reported as late payments on my accounts. It is against the law for them to be reporting that under the XXXX Timing of payments. I would like them removed immediately.
Product: Credit card or prepaid card

This has been going on for almost a year now and I need help ASAP! I filed a fraud claim in XX/XX/2020 for 26 charges made to XXXX XXXX AND MADE IN XXXX XXXX! I have been calling and have followed all of their instructions and to this day, I have not received credit for the 26 fraud charges in the total amount of {$2500.00}. I called in XX/XX/2020 to follow up on yet another fraud claim I filed and the agents I spoke to kept saying something about ACH transactions and that they were having issues with filing the claim. I was told days after days of calling and being hung up on a few occasions their system were down and I needed to keep calling. Thats not my problem! I finally spoke to another agent who told me he had to send an email to his manager ( XX/XX/2020 ) and that the manager would submit the ACH claim. This was in XX/XX/2020! Check the records! I called a few weeks ago and was told that its in the system but that they were working on it. I havent received a call or letter and honestly I am tired of it! I filed a fraud claim back when the charges posted ( end of XX/XX/2020 ) and I was told that the claim never happened. This was a lie and this is why. I filed a fraud claim for the 26 charges to XXXX XXXX for {$2500.00} and 1 charge to XXXX for {$2000.00}. They investigated the XXXX charge and I received the credit but they did nothing for the 26 charges to XXXX XXXX. 

Please please CFPB I desperately need your help. Please have BOFA credit my account for the fraud charges! Next steps will be to get a lawyer! 

Fraud acct : XXXX XXXX XXXX XXXX Newest acct : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ARE FOR SURE ARE SO STRESSFUL, PLEASE HELP ME BLOCK THESE FRAUDULENT HARD INQURIES.
Product: Credit reporting or other personal consumer reports

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 can not furnish a account without my written instruction. 

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 others adverse item of information, other than records of conviction of crimes which antedates the report by more than seven year. 

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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

After XXXX yrs with previous cell phone carrier I recieved solicitation to switch to XXXX for better rates, service and product. I quickly found this all to be a lie and false on all accounts. Due to immediate billing errors my account was disconnected for none payment several times before i even recieved my first bill and maybe a few days after recieving my device. This after making deposits/payments upon initial setup and after I turned in my equipment. I immediately notice things like the inability to use the internet or navigational system while on a cellular call which i was told was a device or setup issue then later told it was a function that XXXX didnt offer after I passed the window of refund. I continue to experience billing errors because the account was setup wrong, disconnection and restoral charges from what they call system errors from improper intial disconnections, ignored payment arragements, etc. I was told that credit would be applied for the errors but pay the bill with billing errors or my account would be disconnected agein.This went on and credits were never applied and errors continue.. Finaly, I had enough of this nightmare, was instructed to return the equipment to their store. After this was done, they charge me over {$2300.00} ( including full balance for returned equipment ) and I was told that this was the accelerated balance for terminating the contract for terible service. They said its their policy and I was attached by XXXX collector and the balance was placed on my credit reports. After months of dealing with the collection agencies bulling and XXXX pretending they cant find the returned equipment-do I have the reciept from the store. I was told by some who said they were a corporate manager and he laughed at my experince and said if I wanted this to go away I should pay the bill regardless of terible experience, account billing mistakes and returned equipment charges that they also added to the false billing. He told me this was the company policies regardless of what consumer experience or reason for terminaton. The bill include over {$1200.00} cancellation charges, over {$400.00} in additional equipment charges for returned equipment almost {$700.00} in false billing and errors. I was told to pay then they will review it and maybe refund my money later or " IT WILL STAY ON YOUR CREDIT REPORT! '' and collection activity will continue. They then offered me a {$200.00} reduction if I settle and pay the remaining balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I opened a kraken account and verified all my information. After I was fully verified and had the maXXXX level to buy and sell, I decided to purchase XXXX using their ACH deposits. I had no issue depositing the first {$15000.00} and then withdrawing it. Then I did another {$15000.00} deposit but this time when I was going to withdraw, kraken block my account and I contacted support and ask whats wrong. They said they needed more information, and they told me to write on a piece of paper with all the necessary steps and a selfie holding my ID. I did all that they ask but then they closed my account down while my funds are still in their possession. Not only that, that took another {$6000.00} from my bank on XX/XX/XXXX after my account with them was closed. Then they replied to me saying I needed to provided my bank statements. I told them that the bank statement for this month has not generated yet and I could not provide that and also thats too personal. It has all my banking information and I dont feel comfortable. They said after XXXX of the XXXX  they would response. Its been over 3 days now and I have not gotten a response. They are currently holding {$15000.00} of mine and charged another {$6000.00} and wont reply to me. I did nothing wrong
Product: Credit reporting or other personal consumer reports

I find out a multiple late payments in my credit report by XXXX bank on all three major agencies. XXXX, XXXX and Equifax. 

In accordance with the Third Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 states, " I have the right to privacy. '' 15 USC 1681 section 6 0 4 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

under 15 USCS 1 6 6 6 b, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Mortgage

I received an Email from PNC Bank my Mortgage Company Acct # ( XXXX ) about refinancing, I called and was going to refinance but after I hung up I check and found out that the fees they were charging were not fully disclosed so I cancelled the refinancing within 10 minutes.
A week or so after I received a letter from PNC with all the Refinance Information as well as a credit report which i did not order. Everytime someone runs a credit report on you it lowers your score. In the past XXXX XXXX issued my girlfriend a Credit Card without her knowledge and it cost her points on her score. I dont know how PNC can fix my credit score but something has to be done with these Banks doing whatever they want
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit and found many accounts that I had no knowledge of. I have tried to contact the people over these accounts but nothing has happened.
Product: Mortgage

A foreclosure sale was scheduled for XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX The Judgment amount was XXXX. I have a screenshot of this amount and the auction schedule. On the XXXX of XXXX I was able to obtain the money to pay off that judgment. It took a lot of work and was a absolute miracle to be able to get that money. Wells Fargo now won't accept that money. Had I not gotten that money and it had gone to auction anyone off the street could have gotten it for that but now from me they want more money and they have said the foreclosure for 45 days while they determine how much more money they can bleed out of me. Unfortunately for both of us they can't bleed anymore out of me. I'm an XXXX XXXXXXXX Widow on Social Security, my home is my only asset. I have to be able to sell my home and net a certain amount of money to be able to survive for the rest of my life This is case number XXXX in XXXX XXXX Florida I could not attach the screenshot that showed the auction calendar for the XXXX of XXXX with the Judgment amount of {$72000.00}. I also have a screenshot of the wire transfer that that was intended to pay off Wells Fargo in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon trying to buy a home my credit had to be ran and I was made aware that there were bankruptcy reporting on my public records, I disputed the bankruptcy and the address to later find out my identity had been stolen where someone had put a house a wireless service in my name. I then filed a Identity Theft Report with the ( Federal Trade Commission but because Equifax, XXXX, XXXX have given me such a hard time to remove this address and the inaccurate information from my public records. This is harming my credit and prohibiting me from buying my home by reporting inaccurate information. I also contacted the courts and they stated they do not provide information to Credit Bureaus or third party agencies. 
XXXX XXXX Ct XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that need to be validated and accounst that I do not reconized and accounts that say charge off and late which are not true
Product: Debt collection

Called to find out information regarding a tax bill they stated I did n't pay in 2013 but they would n't assist. I was hung up on and threatened by the staff. When I ask to speak to a manager I was told no you 're not speaking to her about this. I spoke to XXXX and XXXX.
Product: Mortgage

I have received an escrow statement that indicates a SHORTAGE in large bold type and offers Payment options to address the " shortage. '' On closer reading, based on the differences shown for current and new payment, the shortage appears to be an OVER-PAYMENT since the New payment ( to correct the shortage ) is LESS THAN the Current payment This is highly misleading and appears to be an attempt to trick me into making an unnecessary payment for a " shortage '' that does n't exist. 
If it 's an Over-Payment as apparently it is, why did they label it a Shortage? And, why is there a demand for payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute reguarding my personal information on my credit report. I found a name that was incorrect and I also found two addresses on my credit report under ( Personal Info ) that I have never lived at. None of which have been resolved or addressed. I need the specific name, telephone number, and address of a person or agency, or ANYONE who I can contact to finally resolve this issue. So far, I have n't found anyone who is capable of accomplish a resolution. Now, I know there is someone out there some where, who IS very capable and very competent to address this issue and successfully resolve the dispute. If you would so kindly please give me THAT PERSON 'S name, number, and address, I would gratelly appreciate it. Thank You. The two addresses that are incorrect and need to be removed from my ( Personal Info ) off my credit report are : 1. XXXX XXXX XXXX . XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX. XXXX, CA XXXX The name that is incorrect and needs to be removed from my ( Personal Info ) off my credit report is : 1. XXXX XXXX Thank You so much for your help and I look forward to hearing back from you. XXXX Bless ....
Product: Debt collection

So, a company by the name of XXXX has been reaching out for the last few weeks constantly on calls and texts. I never received any emails or letters in the mail from them, and now theyre calling family members constantly throughout the day and night. When they call they only say their name and that theyre calling from XXXX. I called Advance America which is the company XXXX stated they received my account from, and Advance America stated they never heard of XXXX  and that my account was sent to a XXXX XXXX XXXX back in XXXX.
Product: Checking or savings account

I have received a response from Bank of America, which does not satisfy me at all, that indicates, they have been manipulating me saying they sent me my account balance on XX/XX/2023 and a month later they say they are working on it, that is disrespectful and a violation of human rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Checking or savings account

Ally Bank has not paid me a promised {$200.00} bonus for which I qualified, so I am asking CFPB for assistance. 

In XXXX XXXXXXXX, Ally Bank offered a bonus of {$200.00} using the promo code XXXX for opening and funding a new SPENDING ACCOUNT. 

As I previously had a savings account with Ally, I called its customer service to confirm if I would be eligible for this bonus offer. I had never before had a spending account with Ally. A customer service agent confirmed that I would indeed be eligible for the {$200.00} spending bonus and encouraged me to sign up for the offer, which I did on XX/XX/XXXX. 

I changed my direct deposit to Ally Bank and deposited more than the required {$1500.00} direct deposit ( {$1700.00} on XX/XX/XXXX ) well within 90 days from the time I opened the account, per the requirements of the bonus offer. The bonus of {$200.00} should have posted to my account within 30 days of that direct deposit, or by XX/XX/XXXX, but it never appeared. 

On XX/XX/XXXX, I called Ally Bank and spoke to a customer service agent named XXXX about this issue. It became clear from this conversation that either Ally customer service agents are not well trained about this offer or are intentionally evasive in order to get customers to give up what is owed to them. First, XXXX claimed my account was not in good standing, which disqualified me for the bonus. This was not true as my account was open with a balance and the account had never been overdrawn. Secondly, XXXX claimed I had to have kept the entire direct deposit in the account to earn the {$200.00} bonus. But the requirements ( see attached ) clearly do not state that, I countered. Thirdly, XXXX said I had previously had a savings account ( since closed ) with Ally, so I was not a new customer. I informed him that the requirements specifically state disqualification for the bonus only if an applicant had a SPENDING ACCOUNT previously, which I had not. He read the conditions of the bonus and agreed I should have received the {$200.00} bonus. He promised to manually escalate my request to a supervisor and that I should receive the {$200.00} within 1-2 business days. It has been three weeks since that conversation, but the {$200.00} bonus has not been credited to my account. 

This is clearly a case of bait and switch so that Ally Bank gains more clients and deposits without paying out the bonus they advertised. This is a particularly egregious offense as I am a XXXX XXXX Will you please help me with my complaint to Ally Bank so that my {$200.00} bonus is paid to my account? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 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 an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I DID NOT AUTHORIZE THESE
Product: Credit reporting or other personal consumer reports

This is what l get back in response to the dispute. ' l looks up the credit file that was submitted. 
Not only did l request for all my personal information be only one name and one address. 
but to my knowledge l see they still have all names and addresses as part on my credit file. 
They havent even work on, the problem. 
so, l attached the finding to my complaint. 
l has pervious had requested that all incorrected names and addresses be removed. 
all my credit accounts have 1 name and correct address.
Product: Debt collection

I received a letter with a warrant out for my arrest. I called them to see why the 1st lawyer hung up on me and said the warrant will stay if I dont pay them. 2nd lawyer ask a lot of questions about my kids and other things that didnt make sense I ask him what does that have to do with the letter of the warrant he told me in order to talk about the warrant I must answer all the question. Threaten to hang up the phone if I dont answer all the question and all I was calling to see why is there a warrant
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive checked r my credit report and I saw some collections that were on there. It says that I owe you guys a lot of money but, I dont know what its for. Can you please let me know where this is from and how do I owe this to you? My XXXX XXXX is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report this morning and i noticed these inquires on my report that im unaware of and i need them to be removed immediatley.