23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that I had promised to pay XXXX {$10000.00}. I was paying on this for 10 years and 7 months faithfully. I was attending XXXX XXXX through XXXX XXXX who was doing money laundering schemes and tricked many of us students into paying such high fees, which this link shows hard evidence : ( https : XXXX ) however, also, I read over the contract during a complete forensic evidence procedure, and I found that the contract has a few defects, and they may be in violation of ( U.S. Title 18 1001 ), where it states whoever in any matter within the jurisdiction of the executive, legislative, judicial branch of Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any material false, fictional, or fraudulent statement or entry shall be fined under this title or imprisoned not more than 5 years. I want to get this taken care of. It is not my intention to not pay anything. I want to get this settled, so If they can kindly get back to me within 10 days with a fixed copy of the contract and a copy of their account ledger, where I can see clearly the GAP according to The Fair Debt Collection Practice Act. That would be great! I also noticed that I'm the only one who signed the supposed contract ; there is no other signature, which is also a violation of UCC Section 3-401- Where there is no signature the contract is void. So, again, i'll accept their presentment if they can get me what I asked for above within 10 days. If not, they agree the terms of the supposed contract is void. But If they get back to me with the information i asked, they agree I'll settle the matter with a promissory note. Without XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received letters from collection agencies confirming that the XXXX XXXX XXXXXXXX is aware of a fraudulent account being reported on my SSN yet still does not take it off!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX advised they issued TransUnion Screen Solution to provide them with information on a eviction.. This eviction is reporting {$4500.00}, which is not correct. This does not reflect the security deposit being taken out of judgment. I now have to take this XXXX XXXX back to court about this eviction and file a small claims against them, due to this issue and more. XXXX is receiving this information from TransUnion who verified after a dispute is is correct and it is not correct. I made a second dispute with TransUnion Screen Solution directly, and still no update. They are sending my disputed back as verified. With no proof of debt or anything, provided. after requesting it. And id not provided to remove or stop reporting until correct. They are still reporting, provided no proofs. After, speaking with XXXX XXXX at XXXX XXXX, she agreed this was incorrect, we actually settled for less. I am trying to get her to include the security deposit, but I assume I will have to go to court for this issue and show my proofs.
Product: Mortgage

On XX/XX/XXXX, XXXX, I XXXX XXXX XXXX Trustee, for The XXXX XXXX XXXX XXXX minority woman and mother of our XXXX XXXX, was forced to filed Bankruptcy XXXX, due to Fay Servicing , LLC and their Investor ; XXXX XXXX XXXX XXXX XXXX XXXX loan XXXX ) of my deceased mother, XXXX XXXX XXXX XXXX XXXX XXXX. I filed XXXX as an XXXX  XXXX to stop the Wrongful Foreclosure, Trustee Sale of our home. Fay Servicing and their Trustee ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Auctioned our Home later that day, XX/XX/XXXX, XXXX, despite of my Automatic Stay Bankruptcy Proceedings filing on XX/XX/2024 before Auctioneer Auctioned our home. 

Fay Servicing and all of their assignee 's mentioned have all, Violated our Civil Rights, Violated my Automatic Stay Bankruptcy XXXX Proceedings, have Discriminated our entire minority XXXX Family and Violations of all of Federal and State Laws here in our state of XXXX 

Enclosed, you will find supporting New Evidence to support my complaint against Fay Servicing. After 40 days and 40 nights of harm from XX/XX/2024 to XX/XX/XXXX, XXXX, we the XXXX XXXX received an written notice from the winning bidder and their Attorney of our home. XXXX XXXX XXXX agent/owner of XXXX XXXX XXXX XXXX XXXX stating their the new owners as of XX/XX/2024 when Fay Servicing and all of their assignee 's Unlawful, Deceitful, Auctioned our home and failed to disclosed all material facts and evidence of my XXXX filing when they were all in notice and knowledge of my XXXX filing and Proceedings. XX/XX/2024 our home was { RESCINDED-REVERSED } back Legally to our XXXX Family when, Fay Servicing and their assignee 's mentioned where all aware of their Violations per our complaints to all Federal & State Agencies . 

Deception, misrepresentation, unfair business practice BY ; Fay Servicing and all of their assignee 's.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute certain inaccuracies in my credit report as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. I believe that the following account has violated my federally protected consumer rights to privacy and confidentiality. 

**Account Information : ** - **Account Name : ** XXXX XXXX XXXXXXXX XXXX **Account Number : ** XXXX Upon reviewing my Experian credit report on XX/XX/year>, I noticed several discrepancies that do not accurately reflect my credit history. Under 15 USC 1681 ( e ) ( b ), it is the responsibility of consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in reports. 

Furthermore, according to 15 USC 1681i, if an item is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency is required to either promptly delete or modify the inaccurate information. Additionally, under 15 USC 1681s-2, it is prohibited for any person to furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

In the attachment, all three credit bureaus has XXXX inaccurate dates of ( last activity ), all three credit bureaus has XXXX inaccurate times of ( times of days late ). These inaccuracies are against the law and are against my customer rights. I demand the immediate deletion on this account. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

1. We were promised 18 months interest-free, same as cash payments. But, if we fail to make a payment, then the accrued interest ( a whopping 29 % ) would need to be paid.

2. However, from the first month 's statement, it is clear that it is only 17 months. That is, even we if we paid the 18th payment on time per their statement, we would still accrue full interest. 
3. Besides, they never acknowledge a payment by an email.

4. They will not allow automatic payments.

5. All the above is a clear sign of deceptive practices intended to rip off the customer.

6. Details ( please read along with attached statement ) : a. 1st payment due is on XX/XX/XXXX. 
b. 2nd payment due is on XX/XX/XXXX. 
c. ... ... 
d. 17th payment due is on XX/XX/XXXX e. 18th payment due is on XX/XX/XXXX ( this will disqualify the consumer from promotion ).
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score ACCOUNT NAME Account name XXXX  Account number XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please send me an updated copy of my credit report after your reinvestigation. Account name XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These student loans are under federal fraud investigation that i have filed with My State, the XXXX  and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
Product: Credit reporting, credit repair services, or other personal consumer reports

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to Privacy. '' " According to the Fair Credit Reporting Act 15 USC 1681 section 602. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non public personal information. '' ( Furnishers of information to credit agencies ) is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following cirumstances and no other : in accordance with the written instructions of the consumer ( which is me ) to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written implied or otherwise is revoked. 15 USC 6802 ( b ) ( C ) states that 'A financial institution may not disclose non public personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any otaher adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed in under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Aslo 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out your reporting services. ''
Product: Checking or savings account

XX/XX/24 XXXX, On or about XX/XX/XXXX months ago I deposited a check into my Chase Bank Account, PERHAPS THE BIGGEST BANKING DECISION I HAVE EVER MADE ). 
The check that I deposited was drawn of my XX/XX/XXXX account at XX/XX/XXXX, New York. This account was set up, managed and then CLOSED by my brother, the Executor to the estate once final funds were CLEARED and withdrawn from the account by CHASE BANK and placed into my CHASE account. 
Chase then proceeded to hold said funds in my checking account for XX/XX/XXXXdays before SUSPENDING THE FUNDS. They simply evaporated from my account, no call, no notification from CHASE whatsoever.

I then proceeded to contact CHASE via telephone and as has been consistent for XXXX or XX/XX/XXXX years, EVERYTIME THAT I CALL THEM I AM TOLD THAT MY BIRTH DATE DOES NOT MATCH THEIR RECORDS, that I must take my ID, go to a branch and verify my information. My ID is correct however THEY CONTIMUE ON TO HAVE THE INCORRECT BIRTHDATE for me. 
CHASE continues to hole in SUSPENSION the funds from my fathers estate as they do not show my brothers phone # as VERIFYABLE in their internal system. They WILL NOT CALL a number they cant verify. They WILL NOT talk to my brother if he calls in, They WILL NOT allow me to connect with my brother in conference call, They WILL NOT talk with me in they know that someone else is on the line.

All of this and CHASE indicates that THEY DO NOT KNOW WHAT IT TAKES TO GET A NUMBER IN THEIR SYSTEM AS VERIFYABLE AND THEY WILL NOT VERIFY IN ANY OTHER WAY. 
XXXX phone calls, XXXX visits to branches in the last XXXX months with no resolve. I have no other option than to file with you. XXXX
Product: Checking or savings account

Account Ending : XXXX According to a rep in Discover Bank security dept/fraud by the name of Sunny, an amount of {$140.00} was sent to XXXX XXXX as part of a fraud claim. This amount was sent to XXXX XXXX and not myself I believe in error, attempted to obtain check number and or image of check, unable to do so. Further, I attempted to clarify account balance which showed overdrawn according to previous reps in the amount of $ XXXX, it now shows overdrawn in amount of $ XXXX according to Discover letter dated XX/XX/XXXX. It appears Discover made an error in calculating closing balance, it was not overdrawn prior to closing. The amount of {$140.00} is part of a fraud claim made in the amount of {$690.00}, prior complaint made in re, unresolved to date. This amount was also supposedly sent to XXXX XXXX, whom is unable to locate as far as I know. I've attached both letters showing different closing balances for reference. As for current overdrawn amount of $ XXXX, please advise Discover this appears to be an error and will not pay it, if sent to collections agency, they will be advised of account balance before closing and various different amounts thereafter which do not add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  and Transunion should not be reporting a collection/chargeoff or ( XXXX   ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card or prepaid card

Dear Sir/Madam : I contacted my " Capital One '' XXXX XXXX after receiving alerts on my account ; of charges denied due to lack of funds. I reported the findings &, received a letter stating funds from unauthorized charges would be credited back. Told to destroy card & new one would be mailed. New statement showed new charges ; which I also reported. I was recharged for the previous charges because they said card was in my possession, & were face to face transactions. Explained no one had permission to use my card for any of these transactions, & I was hospitalized for two charges, and I am homebound.. How can I find out who completed & attempted these transactions.What actions should I take to get reimbursed for these fraudulent charges. 
How can I protect myself & others against the fraudulent claim regarding {$0.00} liability against fraud which obviously didn't work in my behalf & I. am certain I'm not the only victim ..... I also use. the RFID card protector sleeves for my credit cards since they are suppose to offer a measure of protection.. How do I correct these " POP 's ''? ( Pile of Problems )?? I believe Capital One CC Svcs should be investigated by the Georgia Attorney General to ensure that this unconscionable practice isn't happening to other consumers and. they should be fined for each individual transaction they held the consumers accountable for including any interest accrued. They should also be required to pay restitution for the pain and suffering caused to each victim of the fraudsters and a company that chooses to not stand by their widely advertised " XXXX liability '', policy... .And make a payment to a fund or group that serves to protect, educate and make publicly known these undesirable tactics against unknowing consumers... Capital One should be held accountable for their unacceptable practice of doing business ....
Product: Checking or savings account

We worked with the banker at Wells Fargo to move our checking and savings account into our XXXX. They will out all the paperwork and ended up making an error. Got a less than curteous email from Wells Fargo saying they would close the account if the error was corrected. Went back into bank, got the errors ( wrong date ) corrected, waited while they sent the info to XXXX. Got another letter from Wells Fargo saying an error occurred and again, they would close our account if not corrected. Thought this was in reference to first error. Come to find out the branch we were working with heard of the mistake ( the papers that were sent for the first corrections weren't all associated as one transaction, causing the error ) and tried to fix it. ( They did not contact us about this. ). According to the banker we worked with they thought they had fixed everything. My husband logged in to our account on XX/XX/year> and found out our accounts had been closed ( only exception was the charge card since there was a balance due ) accounts. Luckily we have access to other funds or we have had some real issues! Both my husband and I went into the bank on the XXXX to work with a banker to open another checking and savings account. We were told we would not have access to any funds ( checks for both accounts would be sent to us ) for up to 15 days with the new accounts. While this didn't set up back financially ( but oh the stress from dealing with this bank! ) I can't help but wonder if this is a common practice with Wells Fargo. For someone on a tight budget and limited funds something like this could be a huge problem. My goal with this complaint is for Wells Fargo to look at their policies in regards to this type of issue and make changes so that others don't have to go through this type of situation. We did end up moving our accounts to XXXX XXXX.
Product: Checking or savings account

Around XX/XX/XXXX I spoke to a woman in the drive thru about upgrading my checking acct : being told I was eligible and it should take a day or two to process ; I called the next week and spoke to a woman named XXXX, who said she sees the request and to call and check on it in a few days. I never intended to follow up further, being it's the banks responsibility to follow up with me. I then called customer service on XX/XX/21 after no changes or call ; being told the process is quick and shouldn't have took this long ; I then requested to be transfered to the branch, only to get failed results again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. 
XXXX XXXX  Open date XX/XX/2007 Balance {$19000.00} Inaccurate name on credit report. 
XXXX XXXX Inaccurate address on credit report. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Inaccurate phone number on credit report. 
( XXXX ) XXXX, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello Sir/Madam, From my Bank of America checking account end at XXXX, I made a wire transfer USD XXXX to my wife XXXX XXXX  account on XX/XX/2023. The XXXX  charged me USD XXXX for transaction fee to make the transfer in 3 business days. Until today ( XX/XX/2023 ), there is no shown in my wife XXXX bank accounts. 

At the same time, we made a call to XXXX XXXX  and XXXX XXXX  said there is no wire transfer. So I called to Bank of America Customer service and they said the charge is still in process but no further update. We asked them to solve the issue immediately.
Product: Checking or savings account

I had an auto pay issue with BoA so the next month my account was locked because they said I have been bankrupt before but I haven't. I could not use web pay and operators couldn't take payment on the phone. They said they would fix it but haven't. I have begged them to take my money to unlock my account as it was locked wrongly. As a result I physically have not had any means to pay them, even after I have called and tried to make payments. Their system won't let any person take my payment because of my account status. Now I have a late payment on my credit report when I have tried to pay them and they have not acted to rectify my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 late fees on my account and called and explained that my husband got XXXX they waived both fees of {$18.00} each
Product: Credit reporting, credit repair services, or other personal consumer reports

There are bankruptcies on my credit report which are report inaccurately. I called the court to clear up the mistake and I received a letter that says they do not report to credit agencies. It is illegal for third parties to report bankruptcies on my report.Because these errors are reported by third party entities I can not correct these issues. I wish to have these items removed from my credit report. I have included the dates and times I have contacted the bureaus to explain these issues and they claim they have verified the information. However, I have a letter directly from the court stating that they do not verify this information.