23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, Somehow Ive found myself in a situation where Im compelled to send this e-mail in an effort that it will make a significant impact.

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 : * 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 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 XXXX 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 : XXXX. Approve all outstanding Borrower Defense applications for students who attended these institutions. XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. XXXX. 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

XX/XX/scrub>XX/XX/2024 spoke to XXXX from Wells Fargo on how to access my {$1200.00} rewards and he has no clue. Then Blind transferred me to XXXX where I spoke with a lady who I had a hard time understanding and said she couldnt help me and that I needed to speak with Wells Fargo. This has been going on over 10 different times with both companies Wells Fargo and XXXX continually transferring me back and forth with no answers. I just want access to my over {$1200.00} of rewards earned through Wells Fargo which I was told the rewards would be transferred over to XXXX months ago. Still can not use my rewards. Thanks
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are references are EXACTLY as it appears on my credit report that your company has reported. 
Please correct or delete this accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

It's been over XXXX  days since I asked for an initial investigation and XXXX days since my follow-up letter to dispute inaccurate information on my credit report. I have been ignored and XXXX, Equifax, and XXXX refuses to address and solve my issue. This is violation of my rights according to 15 USC 1681i. Then my payments are inaccurate nor comply to 15 USC 1666 nor did I give written consent.
Product: Mortgage

I had a HELOC in XXXX and and in XXXX when the housing market crashed I fell behind on those payments. That loan was sold to real time resolutions. I ended up filing bankruptcy and all my debt was XXXX. I spoke to real-time resolutions amd they told me I was not obligated to pay the debt. They sold the loan to select loan services last year and they aggressively tried to foreclose. I received seemingly hundreds of letter from lawyers and foreclosure documents. I took money from my 401k and paid about $ 26k to get it current but they are still saying I owe and threatening foreclosure again.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$910.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX XXXX, Have been violated of my consumer rights by Speedy Cash15 USC 1692b. ( 5 ) defines, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Speedy Cash used their company logo on each exhibit I've presented which is a violation of my consumer rights and privacy. 15 USC 1692e. ( 2 ) ( a ) defines, The false representation of the amount of any debt. All circled charges are in the positive, if it is a debt that is owed like they " allege '', all charges owed should be in the negative. 15 USC 1692b. ( 2 ) defines, not state that such consumer owes any debt. Speedy Cash, stated in letter that " This communication is from a debt collector. This is an attempt to collect debt and any information obtained will be used for that purpose. '' which is in violation of my consumer rights and privacy. 15 USC 1692d. ( 1 ) defines, The use or threat of use of criminal means to harm the reputation of any person. Speedy Cash, threaten to give my personal information to a illegal third party, which is identity theft, which is a criminal act, so that they can report falsely on my consumer reports which will ruin my reputation. Speedy Cash is in violation of The Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692, and is now civilly and criminally liable.
Product: Debt collection

I am filing this complaint because Diversified Consultants,  Account Number XXXX, is reporting on my credit report. I pulled a credit report on XX/XX/18 and noticed the collection account and immediately requested validation of the debt with the Credit Bureaus and Diversified Consultants on XX/XX/18, via certified mail. On XX/XX/18, Diversified Consultants responded with a copy of the bill from the original creditor. XXXX XX/XX/18, XXXX responded to the dispute stating that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. 

I have no knowledge of an account with Diversified Collections ( XXXXXXXX ) and was never notified have not been shown any physical proof that the account belongs to me other than a billing statement that was sent to me by Diversified Consultants. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 807 { 15 U.S.C.1962e }, which requires them to send me validation containing my signature for the debt owed to them within 30 days of the receipt of my letters, instead of sending this requested information, they sent a bill, which is unacceptable proof of validation. This negative reporting needs to be deleted off all XXXX, XXXX and XXXX  reporting agencies unless Diversified Consultants can provide me with physical proof validating this account I look forward to a speedy resolution of this matter.
Product: Credit reporting or other personal consumer reports

Your response really infuriated me! How can you dismiss my request for assistance with my credit report as if it's insignificant? Your explanations are nonsensical, and it seems like you're disregarding my concerns altogether. 

Here is the list of the following account need to DELETE : XXXX XXXX and XXXX XXXX XXXX 

I'm not playing games here I genuinely believe I'm a victim of identity theft. I provided you with all the evidence, and you're suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. 

If you require additional information, just ask plainly. Don't hide behind convoluted language and confusing explanations. I want this resolved promptly, and I mean now. If you still refuse to listen, at the very least, honor my request and add the statement of continued dispute to my credit report, as I requested.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX )
Product: Payday loan, title loan, or personal loan

Call XXXX XXXX  multiple times and was told i will get a call and or a letter stating they will remove off my credit report once paid. Now they are telling me that it want be removed after payment it will stay on as a settlement. This is unfair and illegal and a disregard of my constitutional rights for me too be told once i pay it will be removed from my credit but when i as for it in writing i gets no response for years and now when i called they transferred me to a lady named XXXX and she said she CAN settle for less than the amount that is already charged off ( paid off on the books FDIC insurance, or reported as a loss ) which was {$330.00} settlement charge. I then asked her why will i pay off a debt that after 7 years will be took of my credit report to get a fresh date for the settlement to stay on my crrdit a fresh 7 years? I am willing to pay but it needs to be removed from my credit report. The impact has already happened you cant expect to get a payment and to add a new Derogatory remark to my credit report after you receive the fund owed. This account was open on XX/XX/XXXX its now XX/XX/XXXX
Product: Checking or savings account

The below complaint was submitted numerous times prior, a general form response received which is a duplicate. The last response stated the company could not comment on it due to past or current litigation, which is a lie. The rep, XXXX XXXX, reverted to this response so as to avoid addressing complaint or providing any detail of prior attempts at resolution which he claims have been exhausted..I can assure the CFPB any past litigation has nothing to do with him not being able to reply.. 



The below complaint was submitted prior, a duplicate form response received from XXXX XXXX with Wells Fargo, one of several. Based on this, my complaint was not addressed. Further, a reply in XXXX was never received as was mentioned. XXXX replied by stating numerous attempts at resolution have been made but has not detailed one, there was no contact from anyone at Wells Fargo aside from XXXX XXXX whom offered a bogus settlement offer. Wells Fargo failed to honor this settlement offer made to me in XXXX by XXXX XXXX, a rep with Wells Fargo. The offer amount, {$3700.00}, was never received and it is now XXXX. Prior to this, I requested a refund in the amount of {$610.00} which includes mainly overdraft fees charged to accounts not authorized. A total of four mediation request forms were sent in, XXXX XXXX contacted me, offered settlement amount in XXXX, no payment received to date.. Since no payment was received in re, additional CFPB complaints were filed. XXXX replied most recently stating numerous attempts at resolution were made, which is a lie and seems to provide the same general form response to each and every complaint. I can assure the CPFB there were no such attempts and Wells Fargo is fully aware of resolution which has been detailed numerous times. I will reiterate again here, refund of {$610.00} will resolve matter since no settlement payment was received. I have contacted the XXXX XXXX XXXX Attorney as per instructions from a XXXX, a rep with class counsel for Wells Fargo Settlement.  XXXX informed me Wells Fargo is involved in at least three class actions, XXXX Settlement, WF Settlement, also a settlement with all 50 states, the Attorney General of each state.. I have also contacted Attorney General here in Connecticut as well as California, advised them of my situation. I suspect XXXX will provide the same carbon copy reply in which case I can assure any third party Wells Fargo claims of attempts at resolution are 100 % false and bogus, he has not detailed one such  attempt. Most recently as of, XX/XX/30, I spoke with XXXX XXXX in their Executive Office, she could not find any cases under my name despite numerous CFPB complaints filed as well as OCC, ( Office Of Comptroller Currency ). It appears Wells Fargo has not looked into this matter, evident in the fact they have not opened any cases in re. Another mediation request form was received recently, I've filed out a total of four of these forms, sent them in, was denied mediation.
Product: Mortgage

We signed a loan application to refinance our mortgage with Lakeview Loan Servicing on XX/XX/XXXX. They assigned the servicing to XXXX. We have paid for an appraisal on XX/XX/XXXX, which was completed on XX/XX/XXXX. As of today, XX/XX/XXXX, XXXX has not been able to close on the loan even though we had provided everything requested at by the time the appraisal was ordered. Additionally, as the process had continued, I had repeatedly asked for a Loan Estimate, which I had never received until today ( XX/XX/XXXX ). We have a home equity line of credit with a local branch of XXXX, and the branch manager for that bank said they needed a copy to complete a subordination request. At this time, our loan officer at XXXX finally provided us with a Loan Estimate. The loan estimate shows a issue date of XX/XX/XXXX. Our rate lock has expired and been renewed four times. We have lost all confidence that XXXX will be able to close our refinance and are very concerned to have them service a refinance of our mortgage. We have also learned that they are out of compliance since the requested verification of personal information without providing a loan estimate.
Product: Credit card or prepaid card

We are a small business company and we accept credit cards, we sold a merchandise to one customer and he paid us with a credit card, the credit card company processor ( square ) place a hold they are alleguing that the credit card is stolen, which is not true, we asked them for evidence and they refused to provide it, we are dealing with that customer since 2021 and never had any issue. 

We call them and they refused to transfer me with a supervisor or escalate the desition when I asked for the names of the representatives and they refused to give us the name of the supervisor, they were very rude with us especially one of them named XXXX '' they do not want to resolve the issue.
Product: Debt collection

On XX/XX/XXXX I submitted a Verification of Debt Request to Credit Control , LLC in response to an email I received from them on XX/XX/XXXX advising they were trying to collect a debt for XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received a written response from XXXX XXXX XXXX as a response to my verification of debt. This response did not come from Credit Control , LLC who I submitted the verification of debt request to. I have not received a response from Credit Control , LLC. 
XXXX XXXX XXXX was previously trying to collect on this debt from XXXX XXXX XXXX. I previously submitted a verification of debt to XXXX XXXX XXXX on XX/XX/XXXX. They did not provide me the information I requested in that validation of debt or my follow ups with them. I filed a complaint with the CFPB on XX/XX/XXXX Compalint ID XXXX against XXXX XXXX XXXX XXXX 

In the verification of debt request I submitted to Credit Control Corp I asked for the following proof that was not included or provided. The new response I received from XXXX XXXX XXXX still does not provide all the information below I requested from Credit Control Corp : The complete and signed contract for the debt obligation which is the subject matter of thisdispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that Iagreed to pay the amount you claim that I owe ; Identify and accurately describe any third-party costs for which you are charging me, andthat you have included in the disputed amount along with a complete itemization of all suchcharges ; and Provide me with an affidavit that the Statute of Limitations has not expired on this account. 
Whether your firm has a debt collection license in my state. If not, explain why. If so, provide the date of the license, the name on the license, the license number, and the contact information of the agency that issued the license ; and Whether you are contacting me from a location outside of my state and whether you have adebt collection license from that location, including the license number and the contact information of the agency that issued the license. 
The CFPB and the Fair Debt Collection Practices Act prohibits debt XXXX from abusive, unfair or deceptive practices. I believe that Credit Control , LLC and XXXX XXXX XXXX are being deceptive in their actions to collect this debt. The verification of debt I submitted to Credit Control , LLC has not been answered and the response I received was from XXXX XXXX XXXX. Neither Agency has provided the needed documentaion to verify this debt.
Product: Checking or savings account

Key Bank charged of a line of credit account in XXXX of XXXX. They reported the account as a charge off to XXXX, XXXX XXXX and XXXX as charged off. They proceeded to drop the limit of the account and reported the balance so that the account looks like it is severely over the limit. I disputed this with the bank and they did an investigation an concluded that they did nothing wrong. So I have a charge off reporting with a balance on all three credit bureaus. 

I requested a copy of the 1099C from Key Bank on XX/XX/XXXX. I need a copy of the 1099C as proof the debt was written off as uncollectible by Key Bank. They have refused to provide me the 1099C. So either they have not written it off, which would mean they are providing the credit bureaus with false, fraudulent and inaccurate information or they wrote it off for tax purposes to defraud the IRS but did not file a 1099C to discharge the debt. In either case their reporting of a charge off to the credit bureaus would be inaccurate.
Product: Mortgage

I AM IN FORBEARANCE DUE TO COVID AND DEATH OF A FAMILY MEMBER DUE TO XXXX AND PAYING FOR NURSING HOME FACILITY AND BURIAL EXPENSES. MY CREDIT REPORT IS REFLECTING 30 DAYS LATE IN XXXX AND THE FORBEARANCE SHOULD HAVE FORGAVE ME OF ANY 30 DAY LATES. I HAVE ASK NUMEROUS TIME FOR THE TO BE CORRECTED. I AM IN THE MIDDLE OF SELLING MY PROPERTY AND PURCHASING A NEW HOME AND THIS IS REFLECTING POORLY ON MY CREDIT REPORT AND CAUSED ME A DENIAL DUE TO MY CREDIT SCORE.
Product: Mortgage

On XX/XX/XXXX I notified TD Bank escrow department that there was a duplicate insurance payment and they would receive a check for XXXX from the insurance company. I requsted the escrow accont be revised and a refund for overpayment. On XX/XX/XXXX I sent a fax requesting the refund as I had not received the funds. On XX/XX/XXXX my escrow account shows a disbursement for XXXX however it has been 2 weeks and I have not received the funds. In addition, I spoke with XXXX XXXX, customer experience Advocate regarding this situation. She assured me a check had been issued and due to the previous problem with my tax payment, and the delay in refunding the suplus in the escrow fund, TD agreed to refund the remaining escrow funds of XXXX and discontinue all escrow. That refund has not occurred. I respectfully request my surplus funds ASAP. 

If I do not receive the funds in a timely manner, I request interest be paid to me.
Product: Debt collection

I received a telephone call from XXXX management the week of XXXX about a Lincoln Tech debt that is from 2012. I explained to the debt collector that I will not be paying the debt because it was an invalid debt then and it is still an invalid debt now. I also explained with the age of the debt there is no reason for me to resolve because I have more recent things on my credit that I need to clear up. I then explained that I wanted communication to cease and desist. The call ended. Yet they proceeded to place another phone call on XX/XX/XXXX with a voicemail left for me. The voicemail never stated the company name or that it was a call from a debt collector. When returning the call I realized it was the same company. They acknowledged that I advised not to call a week prior. I requested the recordings in which I was denied.
Product: Checking or savings account

I am being charged for a transaction from XXXX, from XXXX, that I never received, now I dont have XXXX account, its XX/XX/2023 and woke up to a surprising amount in my account want negative XXXX