23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Loan Discharge : The XXXX XXXX ( XXXX XXXX campus ) announced its campus closure and assured me courses would continue through the end of the Fall quarter ( XX/XX/18 XX/XX/18 ). I enrolled for the Fall quarter expecting to have on-campus courses and complete a full semester. During the registration period, I was told that no courses would be offered. I kept looking myself and found some online courses to enroll in. 
Online instructors told me to purchase software ( XXXX XXXX XXXX ) the school was supposed to provide. The school was obliged to provide this, so it wasnt an option to purchase it on my own with no instruction or support. I went looking to all the recommended classrooms and the tutoring center and nobody had the software program. Other XXXX programs were unavailable as well. 
Also, all the teachers and support staff were leaving the campus ( like rats off a sinking ship ). There was nobody to help or give guidance. One staff in the tutoring center/library, one instructor, and one person in administration all advised me to leave XXXX XXXX as everyone was leaving and there was no access to resources. They were trying to help me, but the campus was being deserted. The XXXX XXXX has since closed more branches and gone into receivership. They are now backing out of all assurances made to students, such as transfer grants and reimbursements. 
We received a Loan Discharge Application ( due to campus closure ) from XXXX XXXX XXXX XXXX. That was completed and submitted timely and completely. Cornerstone summarily denied the application because ONE CLASS HAD BEEN ACCEPTED FOR TRANSFER CREDIT to a new major. They cited proof there was no teach-out agreement ( there wasnt ) and that NO credits could be transferred. I strenuously object to the ethical correctness of this decision. I dont see where one course applying to a new major negates the entire loan discharge process. I need your help to get my student loan properly discharged, as I received absolutely no benefit from my time, energy and expense at XXXX XXXX XXXX. I certainly should not remain financially obligated to XXXX XXXX for a tiny piece of education rendered, especially when they are now unable and unwilling to pay their own corporate debts and good faith financial assurances to students.
Product: Credit reporting or other personal consumer reports

XXXX has not updated TRANUNION and XXXX that my student loans have been paid in full and I can not get approved for a mortgage because the balances are still on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XX/XX/XXXX : Account Number : XXXX Account Name : XX/XX/XXXX: Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : DEPT OF ED / XXXX : Account Number : XXXX Account Name : DEPT OF ED / XXXX : Account Number : XXXX Account Name : US DEPARTMENT OF EDU : Account Number : 157301 Account Name : XXXX DEPARTMENT XXXX XXXX : Account Number : XXXX Account Name : XX/XX/XXXX : Account Number : XXXX Account Name : XX/XX/XXXX : Account Number : XXXX Account Name : XX/XX/XXXX : Account Number : XXXX Account Name : DPT EDXXXX : Account Number : XXXX Account Name : DPT EDXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit reportXX/XX/XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have repeatedly disputed this information with the credit reporting agencies as fraudulent. The debt collector verifies as accurate but when I attempt to contact the debt buyer they cant find any account or collection in my name, social security number, birthday, nothing. Yet they continue to report it to credit reporting agencies as valid. Ive also submitted police and FTC reports which they ignore.
Product: Money transfer, virtual currency, or money service

Called Wells Fargo ( WF ) in XXXX to do a rollover of my XXXX into XXXX XXXX as I have a new employer. Received check a few weeks later, and sent into XXXX. No issues. 

Logged back into my WF account mid XXXX, and realized there will still funds in my XXXX after I had done a full rollover. Called WF, spoke to a helpful person who explained : 1. I had gotten a dividend, and would still be receiving another company match first thing in XXXX, and that I needed to wait, and call in after the first week of XXXX where I would then do a final rollover request and get one more check for XXXX, before XXXX out the account. I asked if there would be tax implications, and was told here would not be. I set a calendar reminder to call WF on XX/XX/XXXX. 

I received a check on or about 7/8 for the reminder of my XXXX less taxes ( {$190.00} ) in a form of a check made out to me individually. I immediately called WF and was told there was nothing they could do about it, it was policy to send a check to the individual if it was less than a certain amount. I explained what I was told by the representative in XXXX. They said they would investigate my complaint and call me back within few weeks. MY complaint was that I had been explicitly told to do something, and before I was able to do it on the date I was told to do it on, XXXX took out {$190.00} in taxes which I should not have to pay because I intend to roll this money into a XXXX. 

Received a call back on XX/XX/XXXX from WF rep. He stated he listed to my recorded call and the woman did tell me to call back and request a rollover, but my money was immediately sent out instead of being held in the account so I could ask for the rollover. I asked how I could get the {$190.00} refunded and the check reissued to XXXX for the rollover. Was told there is nothing they can do about it. Also suggested to open an IRA to get around tax penalty. Asked if WF would pay for IRA opening and account fees, as I do not have and IRA, I have a XXXX only. They said they could not. 

I was told I have to write to the plan administrator, who would not be able to help me as they sent a disclosure which said any funds left in the account will be sent to individual and not done in a rollover. I explained that is not what happened, I was told to do this by the representative after receiving those disclosures. I was told to do something different than the policy from a person working there who said it would be okay, and I will still penalized the {$190.00}. 

I am asking for CFPB to intervene, and have WF reimburse me the {$190.00} as they provided incorrect information which led to a tax penalty which is avoidable were it not for their providing inaccurate information when I called in XXXX and early XXXX to resolve this issue.
Product: Debt collection

I assume no monetary responsibility for this alleged debt. Be advised this is not a refusal to pay, but a notice that your claim is hereby disputed and validation is requested. THE DEBT IS NOT MINES. 

On XX/XX/2018 I requested validation of this debt per Texas Finance Code and to be provide with : 1 ) Original Agreement that bears the HANDWRITTEN signature and/or ESIGN digital signature ID number of the alleged debtor wherein he/she agreed to pay the creditor.

2 ) The name and address of the original creditor 3 ) The original date of default or non-payment of the debt with original creditor 4 ) The date the debt was transferred from the original creditor to the third-party debt collector 5 ) The original balance 6 ) The current balance 7 ) Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) 8 ) Texas Surety bond information as required by Sec. 392.101 9 ) Agreement with your client that grants you the authority to collect on this alleged debt. 
10 ) Any insurance claims been made by any creditor regarding this account.

11 ) Verification that this debt was assigned or sold to collector.

12 ) Complete accounting of alleged debt.

13 ) Commission for debt collector if collection efforts are successful As of date, Ad Astra has NOT provided the above documentation and continues to violate Texas law.

On 7/10/2018 i received fake Loan Documents with my name typed in on the signature line and and Open End Loan History that did not support the amount they are try to collect ( see attached ).

I did NOT receive a loan for {$860.00} from XXXX XXXX or Ad Astra Recovery.

Per the documents provided, the documentation shows NO evidence of a {$860.00} loan was funded to me. The Open End History documents clearly indicates that {$380.00} was funded and {$470.00} was paid directly by me ( Allegedly ).

Not {$1200.00} or {$860.00}. Ad Astra is tacking on their own collection fees and lying about it. Also, there is no loan number for the alleged {$860.00} loan.

Again I assume no monetary responsibility of this alleged debt however, due to their own evidence the loan funded was PAID.

AD Astra is breaking countless federal laws and Texas laws regarding the collection and reporting of this debt. I intended to exercise my right to the fullest.
Product: Credit reporting or other personal consumer reports

According to the fair reporting act, Section 609 ( a ) ( 1 ) ( A ), they were required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post o a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ). that you have a file for the account. and according to Law FRCA section 605B, it is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my lexis nexis credit report. I would like these items immediately deleted. These inaccuracies are highly injurious to my credit rating. 
Furthermore, 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 forward me an updated credit report after you have completed your Investigation and corrections. i have also attached screenshot evidence which highlights all the records that need to be deleted immediately. in addition i have attached my complete lexis nexis credit report which was sent to me. 

( SECTION 1 : IDENTIFICATION RECORDS ; LexID XXXX ; RECORD 1, RECORD 2, RECORD 3, RECORDS 4, RECORD 5, RECORD 6, RECORD 7, RECORDS 8, RECORD 9, RECORDS 10, RECORDS 11, RECORDS 12, RECORD 13, RECORD 14, RECORD 15, RECORD 16, RECORD 17, RECORD 18, RECORD 21, RECORD 22, RECORD 23, RECORD 24, RECORD 25, RECORD 26, RECORD 27, RECORD 28, RECORD 29, RECORD 30, RECORD 31, RECORD 34, RECORD 35, RECORD 36, RECORD 37 )
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank account at Bank Of America, along with my credit cards were closed in 2017, although I fulfilled the corresponding payment obligations, they still appear on my credit report, affecting my personal finances. I went to the bank 's offices and did not get a response to the complaint.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I am a victim of identity theft! My bank account information was stolen, and used to deposit fake checks into my account, without knowledge. The bank was notified and suspect listed, admitted to falsifying information. This collection needs to be removed immediately from my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

In XXXX I received assistance from the program provided through XXXX to receive a home modification from Bank of America. I was under the understanding that the final result meant that my home loan was modified to reflect a 30 year fixed lower interest rate and a fixed monthly mortgage. In XX/XX/XXXX I was informed by Bank of America that my modification of a lower interest rate was fixed for 30 years, but the modification for the mortgage was for interest only payment and for only 6 years. I was informed that my mortgage, in XXXX, would double which makes it impossible for a XXXX year old senior to pay. I have tried communicating with Bank of America in an effort to get them to put me in a Principal Reduction Program because after Bank of America did an appraisal on the home they realized that the home is under water and is worth far less that I owe on the home
Product: Credit reporting or other personal consumer reports

These inquiries dont belong to me, and I have no connection to the creditors. Please remove them from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the company to send me the proof of the verification of these accounts how the were verified and the kept sending me letters of no proof of verification on there part
Product: Mortgage

I have filed bankruptcy that was discharged in XX/XX/XXXX. I am behind on my mortgage, and trying to catch up with payments. I called them on XX/XX/XXXX to make a phone payment, and was told that the mortgage was referred to a lawyer for foreclosure. According to customer service, it was referred on XX/XX/XXXX. Almost a month later, and i have received nothing from them indicating it was referred to a lawyer for foreclosure. Since filing bankruptcy, I am not legally financially responsible to pay the mortgage. I called to make a payment because I am still living in the house. They would n't let me make a payment because of the lawyer referral. They said that they could only let me make a payment if it is for the entire amount due. I asked the man on the phone what that amount is. He said around {$13000.00}. He was n't sure of the amount. If I would n't have called them, I would not even know that the house is soon going into foreclosure. My complaint is that they did n't notify me that the referral was made. I would have called sooner to make a payment. When I called last week, I was going to make three payments. They wo n't let me. There is no way that I can make a {$13000.00} payment at one time. I am assuming that since they ca n't legally make me pay the mortgage, that is why I have n't gotten anything from any lawyers, or courts, but I still should have gotten notified by the mortgage company. They have also raised my mortgage payment to over {$1900.00} per month. They are trying to force me out of the house. I have lived here for XXXX, and am now divorced. I have no where else to go at this time, as my ex-husband ruined my credit, and due to issues with my marriage, I had to file bankruptcy. I guess I 'll have to live in my car. This mortgage company continues to claim to help people, but they have n't done anything for me. It is not fair if this house goes to sheriff sale, and I was n't even aware of what was happening. Contrary to what they will say, I DID NOT receive any letter from them about going into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : 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 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, credit repair services, or other personal consumer reports

I checked my personal credit report and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX and XXXX  and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquires listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed you that I did not give anyone the right to open nor list these accounts on my report. As the consumer I informed each company that I didn't authorize any of this over 90 days ago and yet I am still being violated. I don't want to seek the fine related to this violation of my right but I will if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX  XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}
Product: Debt collection

This complaint was closed as a duplicate. It is not a duplicate. This is a complaint of fraudulent charges made in my name by XXXX XXXX XXXX. My complaint against them was originally referred to the FTC by the CFPB and was never responded to. The debt was then purchased by XXXX XXXX XXXX. XXXX is a property management company. XXXX XXXX was the name of the apartments. The original amount was {$1500.00}. They added a recent unknown balance. Now the new balance is {$2000.00}. They provide no explanation for where this new charge of {$500.00} comes from. I do not see how this meets the requirement of the Fair Credit Reporting Act. I do not see why it is not being recognized as identity theft. Charges trumped-up in my name. Both XXXX  and XXXX   have recognized the account to be fraudulent and have removed the account. XXXX  continues to report this fraudulent account. I have an ongoing complaint with CFPB against XXXX  about the inaccurate reporting. XXXX XXXX   never provided any evidence of these charges or where they came from. I was sent a simple letter by the company listing many fraudulent charges in the amount in question. They claimed they were damages that did not exist. They provided no photographic evidence. This company has had several reviews of the same problem occurring. I was offered no recourse in protesting the charges. The item was placed on my credit report before I knew what happened. I have had trouble removing this fraudulent account ever since. It has changed collection agencies twice so I can not sustain a complaint. It was last Credit Bureau Associates. I have also been unable to obtain suitable housing because of this fraudulent property lien placed on my credit report. I am including the information for XXXX  as well as XXXX XXXX XXXX. Please investigate this matter thoroughly. Do not close it off as a duplicate. I asked that this matter be reinvestigated thoroughly. I will not file a duplicate complaint. This matter must be resolved. I'm on SSI. I'm unable to pay this amount. I am in danger of becoming homeless. I'm a veteran of the XXXX XXXX. If the matter is not resolved in this complaint my only recourse will be to bring civil action and contact my State 's Attorney General 's office. I would appreciate any help. Thanks so much. I attached copies of the letter to my last complaint that was marked as duplicate. I can no longer upload those documents. Please locate and review them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are showing an account for XXXX that is past the date of them reporting this so this is a violation of the Statute of Limitations and this is a violation of my rights under the FCRA and is actually a civil crime. I am requesting that all 3 credit bureaus remove this old outdated item from my credit reports immediately.

The law is very specific and it even says on the credit report that it stays on until XXXX of 2021 and here we are in XXXX of 2021 Remove this violation immediately. See attachment to show proof