23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I wasted my time and money attending the Art Institute. I am now unemployed and financially ruined. When I first attended I was enrolled in an XXXX month program which I later found out from an instructor that it would not help me qualify for a job in the field that AI advertised the program as so I withdrew. Years later I decided to try school again but this time I enrolled in the online XXXX program at the Art Institute only to find out that the students that had already graduated have no chance at employment with a degree from the Art Institute and that the school was in trouble for the scam they were running. I have since tried to withdraw from the school but their academic counselor treated me horribly for doing so. She also never withdrew me from classes during the first week of the quarter when she was supposed to so now I have to pay for another quarter because she simply wo n't let me withdraw. I 'm currently getting the run around via phone and do n't know what else to do besides continue to try to withdraw and write reviews to warn others about the underhanded tactics of this scam called an Art Institute. I have been ripped off by the Art Institute. They are stealing my student loan money and lying about how much I take out. The tuition and loan amounts dont add up. Something fraudulent is happening here. I have also tried to withdraw and was told that they withdrew me from school but I am still receiving emails from my instructors telling me that its not too late to turn in late assignments so I logged in and saw that I was lied to about being withdrawn so my GPA has tanked and I 'm being charged for classes even after withdrawing. I have talked to other current and former students of the school who are experiencing the exact same thing. This is a scam and needs to be stopped before it ruins more students financial lives. more information can be found at these links. This is another student who experienced the same EXACT thing I am currently going through. They are also switching my financial record around so much that I cant keep track of what I owe for what. XXXX Here are more testimonials from other students who have also been cheated out of education, time and money XXXX and finally, here 's a XXXX group of students who are fighting back that I am currently a part of XXXX Please help us!!!
Product: Checking or savings account

My XXXX  transferred funds from my debit card without my consent. I contacted the merchant and they refused to refund me anything. I filed a dispute with my bank and they also denied it without giving me a reason to why my claim was denied.
Product: Credit card

I received a bill, in the mail, from PayPal Credit for {$1900.00}. I attempted to contact PayPal, with whom I have an account, directly but they never answered my call. I submitted a copy of the fraudulent bill but have not gotten a response. I called the company, Pay Pall Credit 's number listed on the bill and they wanted personal information to file a fraud complaint. I do n't know what to do. I never opened an account with Paypalcredit.com. What do I do?
Product: Debt collection

The Company XXXX XXXX XXXX whose address is XXXX XXXX XXXX XXXX XXXX, TN XXXX deposited a 1099-C for the amount of {$40000.00}. They assigned interest in the contract to KIA MOTORS FINANCE. On my credit report the company XXXX XXXX XXXX whose address XXXX XXXX XXXX XXXX XXXX, CA XXXX has been collecting already discharged debt. I need my account updated to reflect that all payments have been paid as agreed.
Product: Mortgage

I have tried to get a payoff request in order to refinance with another lender from Truist/Suntrust . I have not been able to acquire a payoff statement. This has pushed my lock twice extended. No response from Truist. I have been transferred time and time again. 

Payoff Amount. XXXX.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX, Transunion, & XXXX were notified of accounts that were inaccurate and a request of validity was mailed to them twice XX/XX/2023 & XX/XX/2023. As of today my credit report is still the same and these bureaus have failed to respond and investigate my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a victim of identity theft I have sent ideinty theft reports to Equifax, XXXX, XXXX numerous of times ive sent certfied mail with tracking information I have disputed multiple times I have called multiple times An they still haven't removed the items off my report it has destroyed my life they continue to place the items into dispute instead of XXXX the FCRA Iam contacting a lawyer to file a lawsuit against all of them my information has been compromised on equifax credit breach they have done nothing! I have submitted the identity theft multiple times I have asked multiple times to block the Information they told me they don't do that due to the FCRA they had 4 days to remove the items yet they put the items into disputes with no justice I have had my checks garnished because of these issues iam now contacting a lawyer to be compensated
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

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

NOTICE OF RIGHTS UNDER THE FAIR CREDIT REPORTING ACT To : XXXX, Experian, and [ XXXX XXXX XXXX XXXX XXXX XXXX ] I, XXXX XXXX XXXX, hereby notify you that you are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

As a consumer, I have the right to privacy and to control the sharing of my personal information. You, as consumer reporting agencies and a financial institution, have a legal obligation to respect my privacy and protect my nonpublic personal information ( 15 USC 6801 ).

You do not have my consent to furnish my consumer report or personal information to any third party. Any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

I was never informed of my right to exercise my nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). Furthermore, you are reporting adverse information about me without my permission, in violation of 15 USC 1681c ( a ) ( 5 ).

You have a legal obligation to ensure the accuracy of the information you furnish to consumer reporting agencies ( 15 USC 1681s-2 ( A ) ( 1 ) ) and to maintain reasonable procedures to avoid violations of the FCRA ( 15 USC 1681e ). You are not meeting these obligations. 

I hereby opt out of your reporting services, as is my right under 12 CFR 1016.7. I demand that you immediately cease furnishing my consumer report or personal information to any third party. 

Please confirm in writing within 10 days that you have complied with my request.
Product: Credit card or prepaid card

I have a Discover credit card that has a large credit line that has been active with them since XX/XX/XXXX. I pay all balances in full every month and have excellent credit. I travel often and spend large amounts frequently. On XX/XX/XXXX, I tried to check into my hotel in XXXX XXXX ( XXXX XXXX XXXX ) and pay {$800.00} for a 4 night stay and was told Discover declined my card in front of about 10 people standing in line. This is after I've already made an initial deposit for the room weeks earlier and after we've already made several other food purchases in the area. When I called Discover, I was hung up on, transferred about to 3 people who couldn't do anything except blame me for " not signing up for their fraud alerts '', which I have actually done in the past as well as signing up for the suspicious activity on my social security number with Discover. They also blamed me for not calling them to notify them " every time I travel ''! We travel ALL the time, and we've never had to call before. Now after 22 years and hundreds of thousands of dollars spent ( literally ), I have to call me credit card company to get permission to use the card every time I travel?? No one at Discover could explain why they didn't attempt to call me BEFORE embarrassing me with declining my card. They have my cell #, email, and texting contact numbers, but they couldn't notify me? I have to call them to spend {$800.00} because I'm out of town? We are out of town on a weekly basis and never had this problem. Discover card is making the practice of using my card after being a LOYAL customer of 22 years ridiculously impossible. They STILL couldn't sign me up for text alerts. They said " I had to do it myself online '' after spending over an hour on the phone. The " new security standards '' have caused me embarrassment and are not realistic for someone who routinely travels out of town. No one could explain or help in any way, and I had to " wait for a manager to call in 24 to 48 hours '', but they couldn't give me a name or contact number of the person who would call. Horrible experience and unrealistic burden for a customer that buys anything in a city they don't live in!
Product: Mortgage

Promissory Note has city and state as XXXX XXXX XXXX, CA ; property is in XXXX AZ Ocwen came up with a Shared Appreciation Modification that was in favor of Ocwen Forced to sign with a foreclosure hanging over my head Ocwen took 2 payments on that Mod ; I cancelled because of the verbage Ocwen wo n't refund payments and wo n't cancel that modification plan Now Ocwen adds {$220000.00} to the balance of the loan per this cancelled mod Ocwen has done a projection of {$300000.00} higher than the true value of my home Ocwen shows that I applied with them for a short sale when in fact I never have Because of the way this cancelled mod has affected the balance Ocwen denies me modification plan constantly Ocwen 's communication and calculations are entirely wrong
Product: Checking or savings account

In XX/XX/2018 I tried to open a " Savings Goal '' ( high yield savings ) account at Simple Bank ( www.simple.com ) and got denied after failing to confirm I am a US Citizen. 

As a lawful permanent US resident ( green card holder ) I enjoy almost exactly the same rights are US citizens, besides being able to vote and to apply for a government job. Denying a lawful permanent US resident a savings account on the basis of his/her origin is unlawful.

I have contacted Simple several times, through their support system and social channels, but they keep refusing to serve people with a green card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in response to the recent investigation. I do not agree with your findings and I am demanding complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXXXXXX Balance : {$2100.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Your record keeping is inadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 
Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the items have been updated or erased. Once this has been accomplished, please forward me an updated copy of my credit report.
Product: Debt collection

I received this letter from National Credit Adjusters informing that I owe them a debt. To my knowledge I have never entered into a contract agreement with them or the company they claim they represent. This company is violating XXXX statues of the FDCPA. statue 807 ( 9 ), ( 10 ) misrepresenting affiliation and deception and 812 ( 1962j ) furnishing deceptive forms. Within National Credit 's claim they state, '' NCA is not collecting for XXXX XXXX. '' and them also within the letter this debt collector states that they have been contracted by XXXX XXXX to collect the about referenced account. This statement is a violation of the FDCPA and the above statues mentioned as it was intended to confuse me but upon further research I have determined that both XXXX XXXX and NCA both occupy the same office. I do not owe either of these companies anything. I have never signed a contract with either of them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting by the last five years to the credit agencies a car repossession that never happened. I already wrote to the credit bureau agencies about this situation, but the bank continue sending information about this situation that never exist. I do have my car title from about five years ago and move this motor vehicle from XXXX XXXX to XXXX on XXXX, 2016. I still have my car with me in XXXX, FL.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt in sending a CFPB Complaint and it has come to my attention that the three Credit Bureaus have unlawfully disclosed my personal and private information to unauthorized third parties. The fact is, I would like to file a case against the 3 credit bureaus for violations of the FCRA Section 605b. I demand an immediate investigation into these violations and appropriate remedies as per ther law. Please help me remove the following items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was interested in finishing my XXXXXXXX XXXX and thought XXXX XXXX would be the best way. I spoke with XXXX  XXXX XXXX and requested info. I received a phone call from XXXX XXXX XXXX and met with a gentlemen to discuss and possibly sign up with them. The gentlemen was very persuasive and pushy. I signed the papers to begin attending online classes. After about XXXX months or so of payments, I was finding that this way of learning was not working for me. I contacted XXXX XXXXXXXX XXXX to discuss options. They took me to court on XX/XX/XXXX. The judge asked if this was my debt, I told her no and she entered in a guilty plea. Starting on XXXX XXXX, XXXX XXXX XXXX trying to garnish my wages. I changed jobs, and on XX/XX/XXXX, a second garnishment attempt was made. On XX/XX/XXXX, XXXX XXXX XXXX filed bankruptcy under XXXX  XXXX ( Liquidation ) of the federal bankruptcy Act, case # XXXX. The law office of Kostka & Associates bought my debt of {$5600.00} for {$220.00} plus fees from XXXX, for a total cost of {$600.00}. On XX/XX/XXXX, a third garnishment attempt was made. And a fourth attempt on XX/XX/XXXX. And a fifth attempt on XX/XX/XXXX. On XX/XX/XXXX, I started being garnished XXXX XXXX of my pay, plus interest, for an education I will never receive. As of XX/XX/XXXX, my balance owed was {$2000.00}. On XX/XX/XXXX, I received a notice form Kostka & Associates, that was electronically filed, showing an unpaid balance of {$2200.00}, with an unpaid post-judgement interest of {$940.00}, and an estimated costs of this earning garnishment of {$120.00}, for a total now owed of {$3200.00}. Why am I not being notified of the filings until after the interest was added? How is this legal? I have paid more than half of money owed. Whats the legal interest that can be charged on a judgement that is being paid weekly? This practice of buying a debt from a company who has filed bankruptcy should be illegal and why am I not being notified of court filings before a new judgement is entered?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and Equifax is still showing negative information on my report that does not show accurate information. According to the FCRA 609 rule any reporting agency that reports my credit has to be 100 % accurate. The account numbers are not even being displayed correctly on the accounts and I never gave authorization for any thing to be altered on my report. I've filed a police report and have attempted on numerous occasions to dispute and have these accounts removed via certified letters sent directly to the Equifax bureau. The companies below are not displaying 100 % accurate information, which is in direct violation of the law. Please remove all of these inaccurate accounts from my report immediately as this is hindering me from obtaining any future credit. 


XXXX XXXX  XXXX Open Date XX/XX/2013 Amount {$12000.00} XXXX  XXXX  Open Date XX/XX/2013 Amount {$3900.00}
Product: Checking or savings account

I am so upset about the shady business practices performed by Chase bank. I was told overdraft fees wouldnt be charged if funds were placed in account by XXXX XXXX next day. I have payed so many overdraft fees @ $ XXXX/per overdraft and almost all ATM 's, except two would be charged @ $ XXXX/each time used! I understand banks need to make money but the amount they were taking on a monthly basis was INSANE! I also have not received any helpful services that I needed. I even had to go to a different company to just get something notorized due to unreasonable hardships for such a siple task of customer services.I feel this is becoming a HUGE problem for consumers and these misleading and gross practices, performed by, supposed respectful financial institutions has gotten out of hand! Im thinking of just forgetting this whole game @ my financial exspence, and keeping my funds on my own! I would have saved hundreds in just 6 months! BEAWRE OF CHASE BANK!
Product: Checking or savings account

On Saturday, XX/XX/2021 between XXXX and XXXX I made a cash deposit of XXXX at the PNC ATM at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX ( XXXX XXXX ). The machine counted the bills and advised that the amount deposited was XXXX instead of the XXXX and I was given the option to go ahead with the deposit or take my bills back. I opted to take the bills back as this deposit amount was incorrect. The machine gave me back XXXX instead of the XXXX that I deposited. The number on the side of the ATM was the PNC bank XXXX number which is closed after hours. I've called PNC bank several times and was advised to open a case AND talk to the branch. I opened the case as advised. I also advised the XXXX number rep that the deposit was being made to cover a withdrawal for a credit card payment that was coming out and that I need my account credited immediately. The rep called another department and told me that since I already have money in my account i should be able to wait the 10 days it would take to service the broken ATM. I also called the branch on Monday and was told that since I had opened the case over the phone there was nothing that they could do. This issue is causing and has caused tremendous financial hardship for my family and I. I need my funds credited soon as possible.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX, I made an online purchase of a trash can for {$57.00} from an online marketplace called XXXX that showed up in XXXX XXXX shopping search results. Because I hadn't heard of them before, I used PayPal because they offer buyer 's protection against online purchases. A week or so went by and I had yet to receive a shipping confirmation and so I emailed the seller and upon receiving no response, I opened up a complaint with PayPal and invoked their buyer 's protection guarantee. PayPal reached out to the seller who immediately sent them a XXXX tracking number of an item delivered that day in my town of XXXX, Massachusetts just minutes before the email was sent. I checked into the tracking number and called up XXXX and got an agent on the phone who told me that, yes, it was a valid tracking number but it had a different name and street address than the one I live at and the item was supposed to be sent to.

Because the seller had sent them a " valid '' shipping number, PayPal immediately closed the case and declined to honor their promise and there is no avenue to escalate the dispute or reopen any closed cases. They only say that there was a delivery to that town when confirming the address of where the package was shipped to is the easiest thing to verify. There is no avenue to recover my funds through the bank because PayPal requires you to attach your bank account number instead of a debit card and so I can't do a chargeback for the fraud. 

So here I am. It seems like the scammers have found a loophole where they can charge as much as they want through ebay and then if they get called out on it, they flash ship something to an address in that town and PayPal can then declare the package delivered and the case closed and the scammers get to keep their money and PayPal doesn't have to honor their promise of allowing consumers to shop safely on the internet using their platform. The scammers get to steal consumers ' money, PayPal get their cut and the only loser is the consumer. This seems like exactly the sort of thing this agency was created to combat so I'm hoping that you'll look into this even if I can't recover my funds.