23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 already 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 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 70,000 students across campuses in 26 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 card

In XXXX of XXXX, Bank of America approved me for a XXXX interest for 21 months card. I was never told by the bank that they were going to be charging any interest rates prior to 21 months. However, the bank imposed an interest rate that was not agreed upon or discussed with me. I took out the card because I was promised a 0 % interest rate for 21 months. In XXXX of XXXX, I submitted a complaint to CFPB. The outcome was that BOA agreed with my complaint. 

BOA has once again arbitrarily charged me an interest on my credit card, when I agreed to the refund, we agreed to extend the XXXX interest to XX/XX/XXXX. I am ready to pay whatever I owe, but only at XXXX interest rate, it seems BOA has a habit of ripping off its customers. As soon as BOA rectifies their mistake for a second time, I will resume my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to send letters to XXXX, Equifax, and XXXX. 
I have not been able to get these addresses removed on my credit report. I do not live at these addresses. I have never lived at the following addresses listed. 
My current and only address is : XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit card

CFPB Orders Bank Of America To Pay XXXX In Consumer Relief For Illegal Credit Card Practices, based on this settlement, Bank of America did not pay me any refunds, I had XXXX credit cards with them, XXXX opened on XX/XX/XXXX till last month and another XXXX opened XX/XX/XXXX, I think.
Product: Credit card or prepaid card

The Bank 's Auto pay policy only has 2 options ; 1-minimum payment due 2-Statement balance If you try setting up your recurring payment by calendar month, their system only gives two months.

This puts even good credit card members at increased risk of default. I have called and spoken to associates about this including a supervisor, to no avail. 


I believe adding an " other '' option to their auto-pay will solve this ONLY TD Bank problem in my view, This is my only credit card that has this problem. 


XX/XX/23 is one of the 4 times I have called TD Bank for the issue. 
Their answer- we do not have that option.
Product: Credit card

I signed up for an XXXX XXXX XXXX credit card through the XXXX XXXX website. The offer I signed up for I attached a picture of my computer monitor of the offer that I clicked on to sign up. I triple checked the offer when signing up and I made sure it was the correct one I even read the terms and conditions while signing up and included the {$400.00} flight credit on Americanairlines.com purchases in the first 6 months after opening as well as free checked bags for up to four people with no time limit. This was also supposed to have a spend {$1500.00} get XXXX miles offer too. What I ended up getting was an offer of spend {$2500.00} get XXXX mi and none of the other perks and that is definitely not what I signed up for. The whole reason I got this card was because of the flight credit and free checked bags and I would have never chosen the XXXX XXXX flight because there were others that would have been cheaper. This is completely messing up my vacation. I called the first time about this and they told me would offer I had which was not the one I signed up for and they gave me an email to send my proof and concerns to. ( XXXX ) I emailed them with my concerns and the proof and never heard back so I called back today and went up the chain of higher and higher supervisors/managers three times and they still refuse to honor the deal even with my included proof. They were demanding an actual letter that was addressed to me or an email address to me which they do not do that for this offer and that's why they ask because they know it's impossible to prove. It's only on the website and for some reason they won't take that proof. 

If you read that email address included it tells me this happens way too often if they have a dedicated email for this. Also if you just search XXXX XXXX XXXX credit card offer issue you'll find endless XXXX posts of many many people with the same issue. This seems like a continual problem and like they do it all the time and to everyone. This was 100 % a bait and switch they bait you in with a good offer and then switch it up on you in the system so it's not the same as you signed up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX   XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit card

Was in XXXX in a tour that turned out to be pressure sales tactic. 
The guide in the middle of our drive, say that if we do n't buy anything, she 'll will charge us {$600.00}. This was not an option as we were under their supervision in a van where we did n't know where we were. I figured since we were held hostage, the only way to get out was to pay her using a credit card, then afterward called the CC company to not authorize the charges, XXXX for {$590.00} and XXXX for {$3000.00}. So when I contacted CapitalOne and told them that I did n't authorize the charges they put my request in the their Fraud Department, who basically said that since I signed the transactions I have to pay. When I tried to tell them I was under duress, that I could n't do much in that situation, they refused to listen. So they basically pushed the transactions back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, 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 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
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, both my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking the transactions was unfeasible. 

The CFPB 's findings indicate that Zelle has not only failed to protect me and other consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 

The lack of accountability and transparency in this situation is unacceptable and raises serious concerns about consumer safety.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 in
Product: Credit card or prepaid card

>XXXX XXXXXXXX, 2022 : XXXX products were purchased on XXXX using my credit card number. 
>I was alerted to the transaction and immediately reported the incident to XXXX and my credit card company ( Capitol One ). 
>I was issued a new credit card and an investigation was started by Capitol One. 
>After about 2 weeks, the charges were removed from my card balance, then added back to my balance a week later. They stated that after further investigation, the matter had been resolved, and I was responsible for the charges. 

>I then sent them a certified letter ( XX/XX/2022 ) with evidence that XXXX had delivered the packages to a different zip code and that I had not ordered, nor had I received the items in question. 

>They never responded to my letter, so I sent a follow up letter. ( XX/XX/2022 ). As of this date, they have not responded to either letter. 

My understanding is they have 30 days to respond, which they have not done. I also understand I may withhold payment on the disputed charges, but I have been making payments as I am concerned this may adversely affect my credit. 

Please help me if you can. 
Yours Truly XXXX XXXX
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

This account was paid and full on my credit report and its still showing as a collection its stopping me from obtaining a higher credit score for a better interest rate for a home for me and my family XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to resolve issue with bank providers due to fraud, on several accounts. Please look into the this matter, as it has been 10 years chase, as well as XXXX XXXX XXXX. I have not had the proper investigation due to me asking for statements and putting money into the account. The account was closed with out my knowledge of any fraudulent transactions.
Product: Checking or savings account

I have been a customer of Wells Fargo Banking for more than 30 years. At least for the past 10 + years, they have engaged in systemic fraud related to OVERDRAFT and how and when they choose to pay incoming debits. Basically, THEY HOLD BACK INCOMING FUNDS - KEEP THE BALANCE LOW - AND WHEN A CHARGE COMES IN - THEY WILL PAY THE SMALL DEBIT ( only the smalls ones ) THEN CHARGE AN OVERDRAFT THEN ALLOW THE INCOMING MONEY INTO THE ACCOUNT, CAUSING A NEGATIVE BALANCE OFTEN TIMES. 

In essence, THEY INTENTIONALLY STAGE OVERDRAFTS TO COLLECT FEES. 

They only pay small debits and not anything near the {$35.00} they charge as overdraft. THESE DEBITS ARE STAGED AS WELL TO GENERATE THE FRAUDLUENT OVERDRAFT FEES. 

Recently, they took away their email customer service feature and you now have to call to dispute. THEY INTENTIONALLY DROP YOUR CALLS OR PLACE YOU ON AN INDEFINITE WAIT HOLD so as not to address the problems. Only after numerous calls, threats of complaints and threats to close my accounts, they finally remove SOME FRAUDULENT OVERDRAFT FEES. 

Because they've engaged in this for many years, I no longer keep more than {$100.00} in that account. They charge the $ XXXX monthly fees and when I use the card, they intentionally hold back incoming funds and debits to generate manufactured overdrafts to collect the multiple {$35.00} fees. 

I will give you account access upon request. 

Accounts : XXXX XXXX XXXX XXXX ( checking )
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED BANKRUPTCY AND INCLUDED THEM IN IT AND XXXX bank sent it to a collection agency which reports this as an open colllection on my credit reports, i have written them and disputed it several times, but the collection company has not removed this item and wont stop reporting adverse items on my credit reports XXXX XXXX  {$2300.00} COLLECTION AGENCY XXXX XXXX XXXX I hired an attorney as well but nothing has happened yet
Product: Payday loan

XXXX XXXX XXXX XXXX XXXX XXXX Group is calling me saying I have not paid on a payday loan from 2008 saying if I do not pay them I will go to court. I said I want proof sent to my house of this loan default and they said they will not send anything to my house until I give them my credit card information and set up a payment I did that and fell for it and they got XXXX payment of XXXX dollars and then I stopped it. Its been three months since then and noting is sent to my house I now know this is a scam looking up this number on XXXX and the HUNDREDS of complaints about them and this phone number.. I never took out a loan and it never showed up on my credit report ever. So they got XXXX bucks from me and I closed out my debit card. I told them to take me to court then. So they called and said they sent all my information to the county I live in and consider myself served if I dont pay the rest. OVER THE PHONE ON A RECORDING too boot.. So now I know for sure that its a scam. Now they got a hold of my sisters phone number after I have blocked them and probably will be calling my work soon. Please get them to quit calling me they will not give me any information about themselves except the phone number and the name she also said they are located in XXXX New York probably a lie. I know I lost that XXXX dollars that 's not the issue. Just want the calls to stop and a miracle these people go to jail. 

Thanks
Product: Mortgage

The account is under " The Estate of ''. As soon as this servicing company took over the loan, they deducted homeowners from escrow and raised the payment. We supplied proof of homeowners several times, ( which we pay on our own ) to no avail. It took 2/3 years to get them to do a correct escrow analyasis. During that time we overpayed by {$2000.00}. They sent a check but it was made out to " The Estate of ''. We could not cash the check because the estate is closed. We got authorization to pay only principal and interest until the credit was sufficed. However, the entire time we paid principal and interest we were being charged a late fee and a balance was accruing since the entire payment was not made. I spoke with my rep every month numerous times and was promised this would be corrected. Records show we have been in default for over a year however we made our authorized payment every month. Now all of the sudden we get a certified letter saying foreclosure will start after XX/XX/2018 if we do not remit the entire balance owed which we do not owe. We have been trying to assume this mortgage once records were corrected and now they are trying to force us into forclosure.
Product: Student loan

In XXXX, I was notified that I no longer qualified for a rate reduction that had been applied to my student loan since XXXX. I inquired to the loan servicer, XXXX, and originally restored the rate. Then the rate was reduced again and they said the loan originator verified that the rate reduction was for on-time payments and I did not qualify. I checked my credit report and there are no late payments reported. The loan servicer said I had to follow-up directly with the loan originator, who could be reached by email or phone. I spoke to XXXX from Loan to Learn on XX/XX/XXXX. I requested payment history, which was emailed to me. 
There are two spreadsheets that were emailed to me Friday XX/XX/XXXX. The first spreadsheet was when Loan to Learn, the loan Originator was also servicing the loan. The second spreadsheet was after the loan began being serviced by XXXX XXXX. 
This opened my eyes to a larger potential problem that has not been answered since that point in time. 

For the period of time, XXXX payments totalling {$14000.00} were apparently not applied to principal nor interest. The balance remained at {$42000.00} from XX/XX/XXXX ( the date of disbursement ) until XX/XX/XXXX. 

I have requested, in writing and by phone, an explanation from Loan to Learn and XXXX. 

My last verbal conversation with XXXX with XXXX XX/XX/XXXX, he suggested I seek legal counsel. 

A complete audit should be done by a certified accountant from disbursement, interest, fees and payments.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am submitting this formal complaint regarding inaccurate late payments reported on my credit file maintained by XXXX, Experian, and XXXX for the XXXX account. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment for XX/XX/2024 reported by Experian is inaccurate. I have consistently made payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments misrepresents my creditworthiness and violates my rights under 15 USC 1681s-2 ( a ), which mandates accurate reporting by furnishers of credit information. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The false reporting of late payments may also violate the FDCPA, which prohibits misrepresentation of account status.

Truth in Lending Act ( TILA ) : The in
accuracies in my credit file appear to be in violation of TILA, which mandates accurate credit information reporting.

Furthermore, the FCRA ( 15 USC 1681i and 1681s-2 ) requires credit reporting agencies and furnishers of information to correct inaccuracies promptly. Under FCRA sections 616 and 617 ( 15 USC 1681n and 1681o ), noncompliance subjects parties to civil liability for damages, including attorneys fees and punitive damages. 
Evidence of the Error The attached credit reports from XXXX, Experian, and XXXX demonstrate conflicting and inaccurate reporting for the XXXX account : XXXX : Reports a XXXX late payment for XX/XX/2024, which is incorrect and unsupported by any payment records. 
XXXX and Experian : While these bureaus do not list a XXXX late payment explicitly, their payment status fields incorrectly indicate " XXXX  days late, '' which is inconsistent with my actual payment history. 
These discrepancies across all three credit bureaus misrepresent my account status and payment reliability. As I am enrolled in autopay for this account and have consistently made timely payments, these errors are unfounded and detrimental to my creditworthiness. 
Requested Resolution I request that the CFPB investigate this matter and instruct XXXX, Experian, and XXXX to remove the inaccurate late payments from my credit report. I ask that my credit report be updated to reflect my accurate payment history of 100 % on-time payments. 

Please confirm the resolution of this matter in writing within XXXX  days. If the issue is not addressed, I may pursue further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. 

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

I was informed by a collection agency that an account was not paid that was in my name. the amount of the account was {$16000.00}, and opened with USAA Bank. This account was opened in XXXX of 2022 and closed in XXXX of 2022, with no payments made on this account. This was not opened by me, but was opened fraudulently by someone else unknown. I spoke with USAA bank and they are investigating. I also filed a Police report at my local Police department, the report number is XXXX, and was reported at the XXXX Police Department XXXX I also called the collection agency ( XXXX ), and reported this as a fraudulent account. This is showing on my credit report with all 3 agencies and has damaged my credit badly. Please let me know what steps to take now, and let me know if you can do anything to restore my credit. 

thank you.