23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Subject : 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 XXXXaffiliated 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 XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX 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 American Dream, 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 or other personal consumer reports

XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX DE XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX DE XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXXXXXX XXXXY XXXX XXXX XXXX DE XXXX The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED Date : XX/XX/XXXXXXXX XXXX XXXX  I Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX 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  XX/XX/XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. In accordance with the Fair Credit Reporting Act Accounts and information above, 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 instructions. 





Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Central Source , LLC. Central Source , LLC is sponsored by XXXX, XXXX and TransUnion. Is false advertising, improper sharing of my credit report, improper use of URL When I tried to reach any of the 3 credit reporting agencies I couldn't speak to a person but was given the url XXXX Not XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several accounts removed, and Experian is still showing old fraudulent accounts, and my credit score went down when I filled a dispute and never went back up. Ive called, as well sent information that has been requested. 
XXXX, XXXX have removed and scores have increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these accounts from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$120000.00} XXXX XXXX  XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00}. 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

On XXXX XX/XX/2022 at XXXX am I received a text message : XXXX message from Ally Bank @ XXXX. XXXX XXXX sent you {$2600.00}. We'll deposit this XXXX payment to your Ally Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. 

But I am not seeing this XXXX deposit into my account even on XXXX XX/XX/2022 When contacted Ally, I am told : Any debit card credit transaction placed today should process by XXXX ET the next calendar day if received by XXXX XXXX. Additional delays in processing by the sending financial institution can also impact the posting of these transactions. 


Moreover wait time on phone and chat is so long ... more than one hour.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was a victim of a Phishing scam text which I have reported to my phone service banking institution as well as my local police department. 

The scammers were able to access my Coinbase account and purchase XXXX dollars worth of XXXX coin which I or my bank had not authorized due to unavailable funds in my bank account. 

However Coinbase pay the scammers through 5 transactions a total of XXXX dollars to an undisclosed wallet. I have been on Coinbase website to resolve the issue however with no avail. Coinbase seized my crypto portfolio I had stores on their exchange in repayment for the money they released to the scammer since my banking institution refused the transaction and they have locked me out of my access to my remaining assets. 

I have a current police report and investigation ongoing along with my phone service claiming I was part of a scam.. 

Please help me if you can!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over 8 disputes regarding information on my credit report that doesn't belong to me! There is serious negligence on the consumer reporting side! I have an FTC report # XXXX with the claim of information that doesn't belong to me! 


As you should know Section 623 ( a ) ( 6 ) ; 15 U.S.C. 1681s-2 ( a ) ( 6 ) Section 623 ( a ) has specific requirements for furnishers of information, including financial institutions, to a consumer reporting agency that received notice from a consumer reporting agency that furnished information may be fraudulent as a result of identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that the information may be the result of identity theft, an identity theft report has been filed, and that a block has been requested.

Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to establish and follow REASONABLE procedures to ensure that it does not re-report this information to the consumer reporting agency, thus re-polluting the victims consumer report. I am demanding you REINVESTIGATE these accounts and BLOCK them IMMEDIATELY In Cushman v TransUnion, Stevenson v. TRW ( XXXX   ), and Richardson v. Fleet, XXXX, the courts ruled each time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the following three credit reporting companies a letter disputing the accuracy and asking them to verify an inquiry on my credit report back on XX/XX/XXXX. I asked them also to block and delete this account because of identity fraud and the lack of accuracy. They have responded by saying that XXXX XXXX verified the account with accuracy when that is not the facts. So I again have a few questions about those inquiries. Is it true that in order to pull someones credit report, you need a permissible purpose to do so? If that is the case, then why did the companies XXXX, TransUnion, and XXXX  pull my credit without my authorization? 

The XXXX XXXX Account XXXX reports different when looking at the other two credit reporting companies. Experian shows paid when looking at the account status, Transunion shows that it is closed and XXXX  shows paid. To me, it does not seem to THAT XXXX TransUnion nor XXXX verified this account with maximum accuracy. Also nor have I consent, authorize, or benefited from the credit. This my second time corresponding with them in an attempt to resolve this matter because the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. To date, the financial injuries are the cause of unauthorized inquiries. It affects my ability to attain credit from chase because of their XX/XX/XXXX rule. Due to identity theft in this matter and lack of accuracy of the information and verification. The three credit reporting companies have not enlisted within my profile that the inquiry has been disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX OPENED XX/XX/XXXX {$840.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX  OPENED XX/XX/XXXX {$1000.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card or prepaid card

Merchant issues full refund but Chase Bank issues partial refund. This is both a recurring and ongoing problem.
Product: Mortgage

My Loan has been serviced by Mr. Cooper since XX/XX/XXXX XXXX. They did not pay my Homeowners Insurance on time- which was due XXXX of XXXX. As of XX/XX/XXXX there was an {$81.00} balance. 
2. When I contacted Mr. Cooper ( Loan Servicer ) on XX/XX/XXXX the automated system indicated that my mortgage payment was going to change by {$350.00} effective XX/XX/XXXX. I had not received any other notification regarding a change in my mortgage amount prior to this announcement. 
3. When further researching I was advised that Mr. Cooper ( Loan Servicer ) paid my Flood Insurance in duplicate in two different amounts. I was engaged in a three way call between Mr. Cooper and XXXX XXXX. XXXX  Provided Mr. Cooper with the reimbursement payment check number, the date the funds were cashed by Mr. Cooper, as well as the account number the funds were deposited into. 
4. Mr. Cooper has not reimbursed the funds into my escrow account which is now XXXX because of their error.

5. Mr. Cooper advised that they lost the funds that they cashed and the funds. They are not aware to whom the funds were credited. 
6. On XX/XX/XXXX I had to research what options are available to me, as Mr. Cooper advised me that they did not know what could be done. 
7. I requested that a Missing Funds Case be created to research where the funds were so that my account could be credited with my money. 
8. I was advised that nothing could not be done to halt the escalated payment amount beginning on XXXX XXXX  until Mr. Cooper corrects their error of the mismanagement of my funds. 
9. Since XXXX, I have had to contact Mr. Cooper over 10 times in reference to late payments for flood insurance, Home Owner 's Insurance and my taxes. 
10. On XX/XX/XXXX, I contacted Mr. Cooper and requested an escalated call to a supervisor. She apologized but advised me that there was nothing that she could do to assist me. 
11. I believe that Mr. Cooper ( Loan Servicer ) is engaging in predatory loan practices aimed at disadvantaged borrowers.

12. Mr. Cooper is mismanaging my funds. There is no acceptable reason for the funds returned to Mr. Cooper on my behalf not to be refunded into my account.

13. It's a predatory practice not to provide me the consumer with notification of an increase in my mortgage payment. This should not have been done through a notification on the phone system when I called in regarding the incorrect payment made to the homeowners insurance.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information from my XXXX report. I recently obtained a copy of my XXXX report, and upon review, I discovered discrepancies that I believe to be incorrect and damaging to my professional reputation. 
The following is a summary of the inaccurate information I found : Inaccurate Information : Report Date : XX/XX/year> Disputed Item : Accident report Explanation : XXXX XXXX STATED THAT THERE WAS TO BELIVE THAT I HAD A BACKING ACCIDENT IN THE STATE OF VERMONT ON XX/XX/year> WHICH IS INACCURATE. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information in my XXXX report. I believe this information should be removed immediately to reflect the truth and to prevent further harm to my career. I request that you investigate this matter promptly and remove the inaccurate information from my XXXX report. 
Please acknowledge receipt of this letter and inform me of the steps you will take to resolve this issue. I would appreciate your prompt attention to this matter.
Product: Prepaid card

On XX/XX/XXXX, I received a One Vanilla gift card with a generous balance of {$250.00} USD as a wedding gift from my brother. He had purchased the card from XXXX located at XXXX XXXX XXXX, XXXX, MA XXXX. I stored the card safely for emergency use, with no prior disclosure of its details to anyone. 

However, on XX/XX/XXXX, when I attempted to utilize the card for a purchase at XXXX XXXX, I was dismayed to find that my card was denied. Immediately, I contacted the customer service helpline, seeking clarification and assistance. To my astonishment, I was informed that my card had been fraudulently used in XXXX in XX/XX/XXXX. I want to emphasize that I have never visited XXXX in my life, nor have I shared my card information with anyone. 

In response to this unfortunate incident, your company initiated a dispute on my behalf for the two unauthorized transactions. I was assured that a thorough investigation would be conducted, and a decision would be communicated within 45 days. 

Regrettably, on XX/XX/XXXX, I received an email from incomm team that left me deeply dissatisfied. The message stated, " We take concerns from cardholders very seriously. After a thorough review of your account and evaluation of the evidence provided, we regret to inform you that we are unable to approve your dispute. With the denial of this dispute, your case has been closed. Per the cardholder agreement and the payments network, these transactions are out of timeframe for recovery. '' My dissatisfaction arises from several critical points : 1. I reported the unauthorized transactions immediately after my card was denied, demonstrating my commitment to resolving this issue promptly. How can I be held accountable for a timeframe that I had no knowledge of? 

XXXX. Card uas the expiration or XXXX.If, i have used the card in XXXX or any time, how would I have known that there was a fraud already happened in XXXX. 

3. I emphatically assert that I am innocent of the transactions in question. I should not bear the consequences of someone else 's wrongdoing. 

Despite my subsequent attempts to seek clarification and resolution, I have received no further communication from Incomm. This lack of response has only added to my distress and frustration. 

I implore you to help me reconsider their decision and conduct a more thorough and fair assessment of my case. I have been left in a distressing situation through no fault of my own, and I believe it is only just that this issue is rectified promptly. 

I eagerly await your prompt response and a satisfactory resolution to this matter.
Product: Consumer Loan

I purchased flooring from XXXX XXXX on a 'same as cash ' basis. Each month the statement had the minimum payment due and the balance. If figured under current minimum payment and balance the projected payments would fulfill the loan in a short time. Nothing was reported on the amount of time available before the same as cash status ended. This week I received a bill with the previous balance and the interest of {$2300.00} which was XXXX of the original loan. There was no bill for the total remainder prior to levying the back interest and no opportunity to pay the full amount OR be charged the XXXX interest. The {$2300.00} charge is simply added to your account with no options. I believe this is just the sort of unfair lending practices the consumer financial protection agency was created to protect against. Given the option I would have taken the money out of my remodeling fund for my house and paid off the loan. Instead I was charged over {$2000.00} just this month without any option to pay off the loan. Had they simply stated that the interest would be charged if the loan was not paid on a certain date I would have paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose. 
XXXX
Product: Mortgage

On or before XX/XX/year> XXXX failed to disclose my notice to right to cancel.per XXXX and also failed to submit a XXXX form for foreclosure
Product: Checking or savings account

Starting around XXXX of XXXX to XX/XX/XXXX. I started noticing unauthorized purchases on my Chase Bank Amazon account and other Vendors totaling {$3200.00}. When I contacted Chase, they referred me to Amazon for answers, and they bounced me back and forth for several hours between there customer services without no satisfaction and have refused to investigate or return my funds. Amazon could not even tell me where these services or products were delivered to.
Product: Debt collection

I mailed a demand for GE Money Bank to legally validate this debt 30 days ago. They have ignored me.
Product: Mortgage

Nationwide Bi-Weekly has been the go-between between my lenders ( first XXXX XXXX, next XXXX, then XXXX ) since I bought my house in 2012. They deduct half my mortgage payment twice monthly, and pay it the following month. In XXXX, I was sent a message stating they could no longer do business with XXXX, and I would have to start sending my checks directly to XXXX. They were to send what they deducted from my account for my XXXX payment and did not. After inquiring, I am in dispute with them. XXXX has helped me by providing me with avenues to assist me. In the meantime, my credit rating has dropped significantly, and I worry my VA Loan Opportunities will be limited.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. These items below are on my credit report and need to be removed in XXXX days. 

Closed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX