23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am filing this complaint because my School Misconduct Discharge application for private student loans with XXXXMOHELA was denied despite substantial evidence of misconduct by the school I attended, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The schools actions led to severe financial and emotional harm, and I believe the denial of my application was unjust. 

Details of the Issue : 1. Misrepresentation by the School : XXXX XXXX XXXXXXXX provided false information about graduate employment rates, post-graduation salaries, and career services. They promised over 80 % of graduates would secure jobs in their fields within six months and exaggerated expected salaries. However, I struggled to find relevant work in XXXX XXXX after XXXX in XXXX and have worked in XXXX XXXX XXXX jobs to survive. 

2. Aggressive Recruitment Practices : The school used high-pressure tactics to rush my enrollment, including repeated phone calls and emails claiming I would lose financial aid opportunities if I did not enroll immediately. They did not give me time to seek advice or fully understand the financial implications of student loans. 

3. Omission of Critical Information : The school failed to disclose the full cost of attendance and the heavy reliance on loans, misleading me to believe financial aid would largely cover my expenses. Additionally, they omitted that the program was not widely respected by employers, which I only discovered after struggling to find work. 

4. Lack of Career Support : Despite promises of robust career services, the assistance provided by the school was minimal and ineffective. I received no meaningful guidance in securing a job in XXXX XXXX, and many of my classmates faced the same challenges. 

5. Personal and Financial Harm : The schools deception has left me with overwhelming debt, limited career prospects, and emotional stress. My current job in a XXXX XXXX does not utilize my degree, and my previous XXXX XXXX role was merely a XXXX XXXX unrelated to XXXX XXXX. The financial burden and lack of return on my educational investment have significantly impacted my quality of life. 

Desired Resolution : I request the CFPB to review my case and advocate for the discharge of my private student loans based on the proven misconduct of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Additionally, I ask for an investigation into XXXX/MOHELAs process for evaluating School Misconduct Discharge applications to ensure fair treatment for all borrowers.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage is with PHH/XXXX  and because of covid I have been on a forbearance plan for well over a year ( XXXX XXXX XXXX and XXXX for supplemental retirement income and could n't drive because of covid ). For at least the last XXXX months PHHXXXX has asked me for documentation concerning my hardship. During this time it has been an exercise in frustration. I have talked to several of their agents. They have requested much documentation which I can understand but there is a lack of communication amongst their employees. I don't know if they're losing some docs or what. I have been asked XXXX for a mortgage assistance application ( sent XX/XX/2021 and XX/XX/2021 ) and have been asked XXXX for bank statements the last of which I have sent XX/XX/2021. I was asked to send a hardship letter which I sent XX/XX/2021. One agent will tell me one thing and another will tell me something else. On XX/XX/2021 I talked to XXXX ID # XXXX. He admitted that PHH/XXXX could be giving me wrong information. I then asked to speak to a supervisor and spoke with Classia ID # XXXX. He told me to just wait for a deferment. Then on XX/XX/2021 PHH/XXXX called and asked for XXXX  years tax returns, and AGAIN XXXX most recent bank statements and a business profit and loss statement all of which I sent onXXXX. To add to all this PHH/XXXX  sent a letter to my home insurance agency XXXX XXXX saying that my property/house is vacant. PHHXXXX had to send a letter of retraction to XXXX XXXX stating that they made an error ( sent XX/XX/2021 ). To me all this shows incomitance and lack of communication between PHH and XXXX mortgage. I have sent everything they have asked of me and still no resolve They are now telling me that I have to start the process all over again because it's been over a month and I didn't sign some docs ( they didn't inform me of this and in the letter they sent me there was no mention of missing signatures ). This will mean that for the third time I have to send all documentation AGAIN. Hoping you all can help me in this matter. P.S. - I have also filed a complaint with the XXXX.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Payday loan, title loan, or personal loan

I am writing to file a complaint against OneMain Financial for engaging in unfair and deceptive acts, illegal repossession, wrongful repossession, failure to state the borrower 's right to redeem the vehicle, failure to inform the debtor of the intended method of disposition, redemption rights, and fees which resulted in an inaccurate redemption amount. OneMain Financial violated the Uniform Commercial Code ( UCC ) by not returning remittance coupons, which they claimed they did not process or know how to process. Additionally, OneMain Financial is guilty of usury in violation of Georgia code. 

I spoke with XXXX XXXX in the repossession department who failed to send proper notice, which resulted in the illegal repossession of my vehicle. OneMain Financial did not provide me with any information about my right to redeem the vehicle or the fees associated with the redemption process, which resulted in an inaccurate redemption amount. Furthermore, OneMain Financial failed to state the intended method of disposition, and as a result, I was not able to make an informed decision about the redemption process. 

OneMain Financial 's actions were unfair and deceptive and have caused me significant harm. I am demanding that my vehicle be returned to me immediately. If my vehicle is not returned by XX/XX/2023, I will be forced to file a class-action lawsuit against OneMain Financial for engaging in illegal and unethical practices. 

Furthermore, I want to bring to your attention that OneMain Financial is guilty of usury, a violation of Georgia XXXX. They charged me an exorbitant amount of interest on my loan, which is illegal under Georgia law. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate OneMain Financial 's practices and take appropriate action to prevent them from engaging in these types of unfair and deceptive practices in the future. I also ask that the CFPB investigate OneMain Financial 's usurious practices. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Back in XXXX of XXXX I became aware that I had my identity and all information associated with it. I began trying to take control back of my Experian online account in early XXXX. Since then I have made multiple phone calls to Experian to get their assistance in retrieving my identity. Every call had been outsourced either to a person that speaks incoherent XXXX or just enough to get by. On XX/XX/XXXX I was told on one of these many phone calls that I had to send a copy of my DL, SSN and a utility bill to their XXXX, TX location to prove I am who I say I am. We have written documentation from the USPS  showing an employee of Experian signed for the priority certified letter on XX/XX/XXXX. Since this was received we have had no call from the company. I have made 3 more phone calls since then, all concluding with an outsourced employee telling me nothing was received and we would have to create a new ticket and start all over. I don't even know where to go for assistance now as I keep being met with a slammed door in my preverbial face by this company. The employee today wouldn't even talk about the fact we are showing everything was received. I was finally told there was no way I can speak with someone in the US. They have no US number to give me nor can they transfer me to a US based employee. How am I supposed to take control of my identity if the company is having people that aren't even citizens of this country dealing with my sensitive information. I'm completely at a loss and I'm hoping by filing this complaint it will force this company into reevaluating how they do their business and how they treat their clients.
Product: Debt collection

Reliance Recoveries ( XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX ) has attempted to collect on debt that I do no own. I provided proof that I paid it. They ignored the paperwork. I then requested that they verify the debt. They failed to provide anything. They have told me over the phone that they have ceased collection. However, they will not provide written notice.
Product: Checking or savings account

On XXXX I had a transfer of {$500.00} from XXXX XXXX XXXX XXXX ( Checking ) going to American Express ( High Yield Savings Account ). On XXXX I closed my XXXX account when I switched to XXXX. I received a letter in the mail from AMEX stating my account was closed due to suspicion of fraud approximately XXXX weeks later. This is simply untrue and I only deposited {$500.00} when I initially opened the account. I contacted American Express right after getting the mail and customer service said I will receive a physical closure check, since XXXX wouldn't recall the funds for me, explaining they stated it isn't possible for them to recall funds from a verified transfer. On XX/XX/2023 I had my name officially changed and have a court order for. Approximately a month later I contact XXXX XXXX again and asked about my closure check, I was told that my closure check still needed my address to be verified over the phone. Then he stated he'll have the check expedited. I called again approximately 3 weeks later and after XXXX XXXX of being on phone calls I was told " the only way to get your money back is by having XXXX recall the funds '' which XXXX won't do. AMEX stated the reason is because they can't " verify my identity '', regardless of how much proof I show them. I've spent approximately XXXXXXXX XXXX of my valuable time trying to get my money back over the course of about 4 months and I refuse to give up now and I will take further action if necessary.
Product: Debt collection

I paid {$6.00} for online product ( XXXX ). The company started charging my credit card for services I did not authorize. I called my bank and shut down the credit card. I tried to call/ cancel the promotion however the company does not have a contact link. I received papers from a debt collector saying I owe {$110.00}. When I contacted the debt collector they day I owe {$230.00}.
Product: Debt collection

XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX AFNI , INC XXXX 
XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI , INC. 
XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

My loan servicing provider recently changed ( effective XX/XX/2018 ). Upon receipt of my first statement, 1. Not only was my current payment not credited ( {$670.00} was due according to my statement from the previous servicer, XXXX, and I paid {$700.00} ), there is another charge for " Total Fees and Charges '' in the amount of {$1500.00}. These dollar amounts don't add up. 

2. There is a charge for " Deferred Balance '' in the amount of {$2200.00}. I have paid this account consistently for many, many years and do not have a " Deferred Balance. '' I have never deferred anything on this account.

3. I requested a payoff from this company once on the phone ( XX/XX/18 ) and twice in writing. I have yet to receive the payoff quote.
Product: Credit card or prepaid card

I am carrying a large balance on a Visa card issued through Barclays. I recently discovered that my job may soon be phased out. I contacted Barclays to request a lump sum settlement of my balance before I fall into financial trouble. At first I tried requesting that they discharge the high interest charge they had placed only 3 days prior. The phone rep kept refusing to waive any amount. I then asked for a supervisor or manager. I was place on hold for several minutes until someone else took the call. Again I was given the same speech about how they can not waive the interest. I kept trying to explain that all I wanted was to pay the balance but needed help with a discount or minor discharge on the balance so that I may pay a final lump sum settlement. I explained that I wanted to settle this account before I start falling behind due to my future employment status. Due to their continued refusal of how they could not change any information on my account, I again asked to speak to a supervising manager/director. I was again placed on hold for a long period of time. Periodically I heard clicking on my end of the phone but no one else would speak into the phone. After 52+ minutes, I heard some # key tones and then disconnected altogether. I feel this type of behavior is unprofessional and hurts the consumers who want to be able to keep a good faith relationship with these types of companies/services. It is shameful that they would rather see their consumer fall into dire financial hardship due to their unwillingness to compromise on what amounted to be a few hundred dollars to a couple thousand. When at the end of each day, they close their books largely billing billions of dollars.
Product: Payday loan

My check was pending overnight but when I reserve it it was tell me XXXX XXXX took out XXXX and I do n't even know what is that
Product: Debt collection

This collector would not identify themselves or the purpose of their phone calls in any way until I verified my personal information, which I refused to do. I requested they discontinue contact until they were able to identify themselves, but the phone calls have continued. I was able to XXXX search the phone number, which is how I found out who was calling.
Product: Student loan

XX/XX/20 i held for 56 minutes called and asked everything be mailed using USPS since i can no longer afford internet was told it was all set up today i called 1 hr 25 min wait only to be disconnected when i was put on hold to find out why i am not getting bills in the mail. 
i called back and after 42 minutes i am still on hold
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING AGENCIES IS NOT FOLLOWING FCRA AND FDCPA LAWS. 

THEY FAILED TO VERIFY AND VIOLATE THESE NEGATIVE ALLEGED ACCOUNTS. 

Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax
Product: Credit card

Wells Fargo Bank , N.A . ( WFBNA Card Services ) Department handling credit services XXXX, MN XXXX Re : Cease and Desist Request Regarding Unauthorized Wells Fargo Credit Card Dear Sir/Madam, I am writing to formally dispute a credit account listed under my name with Wells Fargo ( WFBNA ), which shows a credit card with a credit limit of {$1200.00}, a balance of {$1000.00}, and a credit usage rate of 89 %. The most recent balance update listed was XX/XX/year>. I have no knowledge of this account, nor did I ever authorize or open any credit lines with your company. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my rights to dispute inaccurate information on my credit report and formally request that you immediately cease and desist from reporting this credit account.

My requests are as follows : Immediate removal of this account from my credit report.

A written confirmation that the account has been removed and that any associated negative information, such as the balance or credit usage, will be corrected or erased. 
A formal notification detailing the outcome of your investigation into this dispute, as required under the FCRA. 
Please be advised that this account has been reported under my name without my consent or authorization. I do not recognize this credit line, and I assert that I have never entered into any agreement or contract with Wells Fargo or its affiliates regarding this account. 

I expect a prompt investigation into this matter, and a resolution within the time frame provided by the FCRA, which requires that you notify me within 30 days of your investigation 's completion. 

Please be aware that failure to respond or resolve this issue in a timely and accurate manner may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other appropriate regulatory agencies. 

I look forward to your immediate attention to this matter, and to receiving confirmation that this issue has been resolved. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Capital one 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 437 consumer credit plan as late for any purpose.
Product: Debt collection

I continue to receive calls all throughout the early morning to late at night, around 30 calls a day from Midland. I continue to block the calls and they use different numbers to continue the harassments. I have written them and explained to contact me via mail only and yet the calls have continued and they refused to stop calling me leaving harrassing voicemails.
Product: Debt collection

The company calls repeated times daily and weekly. For example : XX/XX/XXXX there were 5 calls. XX/XX/XXXX there were 4 calls. XX/XX/XXXX there were 6 calls. It is harassment.
Product: Debt collection

Based on information and belief this is not my account. I have requested for verification and validation but to no avail. This ERC continue to double report the same items twice on my files. This company will not respond to my requests.
Product: Debt collection

My truck was repossessed in XXXX, later went through a bankruptcy and completed it in XXXX. 

I was called on XX/XX/XXXX by someone XXXX threatening to serve me papers or settle for a lower payment of {$1200.00} apposed to the {$7500.00} they said that i owed from the XXXX repossession, to settle the debt. I needed to call back before XXXX to make the agreement or the papers would be served and i would need to hire an attorney.
Product: Credit card

Dear Sir or Madam, I did not receive my bill statement on time and as result I was late with my payment for XXXX 2015. After that I had paid it in full. Late fee and residual interest was removed. I and my loan officer XXXX XXXX had multiple calls to Synchrony Bank trying to remove the late payment from credit report. We spoke with XXXX supervisors who hung up on us when we had asked for the letter. Finally one stayed on the phone with us the whole time and then came conclusion nothing could be done about the letter. 
Please help to resolve my dispute with Synchrony Bank and repair my credit. 
I beleave the Synchrony Bank customer service conduct is unacceptable and they do n't deserve to be XXXX service.