23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took 3 classes online at XXXX XXXX online school. The are saying my student loan debt is over 10,000.00 dollars. I  have no idea where the money went but i do n't believe i owe XXXX XXXX for 3 classes i tried contacting XXXX XXXX and get no answer I can not get into fasa. This is ruing my credit report. Please help me.
Product: Checking or savings account

I received a notice from Capitol One that my " XXXX Checking account was overdrawn ''. I have never had any account whatsoever with Capitol One. I tried contacting them on the Saturday morning when I first opened the letter. But they were not open. Then, I called during the week, first thing Monday morning. I waited on hold for a total of XXXX minutes to reach a person who said that they could help with this problem ( it took XXXX people ). In all, I spent one hour trying to resolve this. I was told that they could not solve the problem unless I gave them my social security number or tax ID number -- which I wasn't willing to do. Why would I give sensitive, personal information to a stranger that I do not have any relationship with? Now I have spent more than an hour of my time -- on a work day -- trying to solve a problem that they created. 

Why is Capitol One allowed to have a business model that depends on making citizens vulnerable to fraud? They send countless solicitations to my house that I have to cut up or tear up. Despite my best efforts to avoid it, someone has opened a fraudulent account in my name -- and I can't get Capitol One to fix it. Their profits come at the expense of my work, my effort, and their requirement that I fix the problems that they created. How is this legal? Capitol One should be required to COMPENSATE individuals when their business practices have these consequences. I don't work for Capitol One, and I SHOULD NOT BE FORCED TO DO SO!
Product: Mortgage

I have just received a notice from United Wholesale Mortgage, Notice of Servicing Transfer, for XXXX/XXXX/2016, I believe that they need to send me a notice 15 days before the transfer. I received the notice, in the mail 4 days after the Transfer ( XXXX/XXXX/2016 ). 
It is strange that the letter is dated XXXX XXXX, 2016, and there is no postmark on the envelope. If this letter was posted on XXXX/XXXX/2016, I would have received it weeks ago.
Product: Credit reporting or other personal consumer reports

I had a XXXXXXXX XXXX XXXX loan with TD Auto Finance and I set up auto payment monthly. Last XXXX the car was total loss. My automatic payment stopped somehow after making payment in the end of XXXX when I was outside of XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX had issued the balance check to TD in XXXX. But for some reason TD didn't received it then the insurance company re-issued and TD received and deposited which made my balance XXXX. 
But when I came back I found that my credit score was severely decreased because of the earlier delinquent amount. I never stopped the payment. I don't know who stopped the payment without notification. I mailed TD about the dispute 20 days ago and got no response until now which affected my application for mortgage recently.
Product: Mortgage

I own a  2nd floor office condo in an 18-unit, 6-story, 120-year old bu ilding  XXXX   XXXX   XXXX . In  XXXX ,   XXXX  , Peoples United Bank told me I had 30 days to purchase flood insurance on my property in  XXXX  or they would purchase it for me. I began the process and discovered that it was not possible to get this done in 30 days. In the meantime, the bank went ahead and purchased a policy for {$7500.00} and billed me for it. I managed to purchase insurance by  XXXX ,   XXXX   for {$2100.00}. Later, I discovered that the rest of the condo owners paid between $  XXXX  $  XXXX . This year I will renew at this cost. Also, none of the other condo owners were given this kind of a time frame.   The bank has deducted {$1800.00} out of my mortgage payment account, putting the account in arears and charging me for late payments. I have paid {$3900.00} for {$500.00} worth of insurance. I also have an engineering report stating that in reality, only the basement is considered to be in a flood zone ; none of the units in the building are. I also have a letter from FEMA station that the chance of our unit flooding is slim to none.   I am looking for the bank to return the {$1800.00} theyve withdrawn, remove any late charges, and make my account current. Ive made many calls to the bank, but theyve gone nowhere. My issue is not flood insurance, itself, its the fact that the bank is forcing a {$7500.00} policy on me, when the situation was not urgent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus will start adding XXXX, XXXX and XXXX and affirm. They all allow shoppers to buy now and pay later. These such purchases are not being reported to my credit reports but one. I did the loans with the purpose to give lenders a fuller vision of my financial commitments.This is an easy way for people like me to establish positive credit so that I can start getting my scores up and acquire better and more useful lines of credit. You have yet to report anything to my credit reporting companies other than one account.
Product: Credit reporting or other personal consumer reports

Fraudulent and unauthorized information continues to plague my consumer report despite multiple attempts to resolve the issue. These inaccurate items, resulting from identity theft, have caused profound personal and financial distress, significantly impacting my life and well-being.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

My account, was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Student loan

I completed the deferment forms and submitted within the deadline and a few months ago, I received an email stating my loans are past due. Called customer service ( on lunch break did n't write down the name or date : / ) but the call was recorded. The rep told me to disregard saying my loans were n't due until    XXXX   XXXX   XXXX   I keep receiving the same past due emails, which is now affecting my credit report and score and I was trying to buy a house but due to this incorrect information, I had to stop perusing a home loan. I emailed the rep this time and they said that indeed, it 's past due and I said that 's not correct and to please review the notes. I have n't received anything in the mail or nothing other than these emails. The rep later said they have n't talked to me since   XXXX  !! How can that be when I have to submit paperwork and ask for a hardship deferment every 6 months!! They are sticking to their " notes '' and that 's not working for me.
Product: Credit reporting

XXXX -- someone in my house of there people used my SS and ordered merchandise form this company. I received the merchandise, I think a dress, and I returned to this company and said I did not order. Their derogatory remark has lowered my score. If they check their inventory, this merchandise will be there. This room mate has long gone from my home but I have no proof that she ordered this is an assumption..
Product: Debt collection

We terminated our service with XXXX and anticipated a final itemized bill. XXXX never provided an itemized bill, only a total amount that we owed. I spent countless hours on the phone with XXXX in an attempt to get them to provide us with an itemized final bill. They refused and threatened to turn us over to collections. 

On XX/XX/XXXX I was contacted via telephone by a representative of Sequium Asset Solutions , LLC ( A debt collection company owned by XXXX ). Her name was XXXX XXXX and that phone call took place at approximately XXXX XXXX XXXX I politely informed XXXX that I was aware of my rights under the Fair Debt collection Practices Act. I then requested that any and all future communications take place in the form of letter mail exclusively. 

Shortly thereafter, we received an official letter from Sequium Asset Solutions , LLC informing us that they were now responsible for collecting the debt. In response to this letter I crafted a letter requesting debt validation and mailed it promptly. 

In our letter we requested all the pertinent information needed for us to adequately determine whether the debt they said we owed is valid. We informed them that If their offices fail to respond to this validation request within 30 days from the date of receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

We never received a response to this letter. 

XXXX XX/XX/XXXX - XXXX sent a pair of Senior Business Account Executives to our business to try to discuss this debt with us. I politely informed them that their method of contacting us could be a violation of federal law and that any and all communication should be done via letter mail as originally requested. 

This improper action by XXXX and their Senior Business Account Executives is the reason for my report today. Based on my understanding of the Law this action on their part may have violated my rights.
Product: Money transfer, virtual currency, or money service

Last night I Bought around 2k in bitcoin from Coinbase which went up 420 % bringing it to around XXXX. 
They wont let me contact them for identity verification and they are all around ignoring me. They dont even open my cases and locked/closed my account considering i cant get in
Product: Checking or savings account

On two ( 2 ) separate instances, I was forced to close my checking account because CHASE failed to detect suspicious activity on my checking account. 
My former checking account ending in XXXX was compromised when someone obtained the routing and account information. CHASE did not acknowledge the ACH payments were not typical methods of payment exercised by consumer. 
Recently, my checking account ending in XXXX was compromised, AGAIN when someone obtained my routing and account information to make ACH payments using the checking account route and account number. CHASE did not detect suspicious activity and acknowledged consumer does not typically used this method of payment. 
Upon my request, the account was restricted ONLY to allow numerous direct deposits and allow pending checks to clear but CHASE abruptly closes the account without notifying me. Check # XXXX made payable to the US Treasury has yet to clear, causing much concern regarding their automated systems, protocols and detection of fraudulent activity.
Product: Mortgage

I paid {$350.00} as a mortgage application fee. I applied for a mortgage with US Bank of approximately {$200000.00}. My house is in a leasehold, so it requires extra steps of approval. US Bank neglected to complete ( or even start ) those steps until XXXX XXXX before closing. XXXX XXXX before closing, today, after I wired XXXX XXXX to my title company to close, I received a phone call stating that, although I was final approved, US Bank had approved a closing contingency that was impossible to meet because of timing.

I have not ever received phone calls back from XXXX XXXX, nor has my realtor. US Bank sent my loan application, lacking required documentation, to underwriting XXXX times, delaying the process on their end. I am outside of the XXXX credit check window, so my credit is damaged if I need to get another mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was about to start the process of buying a home and went to meet with the lender and found several inquiries on my credit that are not mine. Ive contacted the credit bureaus regarding this but has no response. Im doing this on my own behalf. Please help me and the inquiries are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX.
Product: Debt collection

I have written XXXX certified letters to this Debt Collector challenging the accuracy of debt attributed to me. I have never had an account with XXXX XXXX XXXX. I asked to send me documents to back up their claim. Nothing is forthcoming but the debt collector continues to report this to XXXX and I believe XXXX. There was a problem with identity theft when I was in XXXX from XX/XX/XXXX - XX/XX/XXXX.
Product: Mortgage

I spoke with a lending agent and all my conversation were recorded. Closing costs and fees were not to exceed {$700.00}. Estimates attest to the same. At closing, pdf file document is doctored and shows fees which total monthly costs in excess of {$900.00}. I never agreed to this. They are pulling a bait and switch in hopes that I just sign. It is deceptive and lending done in bad faith. The names of Wells Fargo agents   involved are : XXXX XXXX, XXXX XXXX, and XXXX XXXX. They operate in unison to conspire to defraud me as a lender by shifting numbers at closing.
Product: Credit reporting or other personal consumer reports

My purse was stolen in the XXXX that had my social security card, and driver 's license, along with my phone. I filed a police report in addition, I have a signed affidavit that I have sent to all of the companies. I have also sent these items to the credit bureaus. The credit bureaus refuse to take the items off of my credit report. I also have documentation from some of the companies that have done an investigation and they concluded that the account that was opened was opened fraudulently, the rest of the accounts the credit bureaus refuse to remove the accounts despite providing documentation of identity theft.
Product: Credit reporting or other personal consumer reports

Several hard inquiries over the course of years on my report. Dating back from XXXX accounts that i do not recognize, I have contacted these companies to alert them of fraud. I did not give any of these companies my authorization to run my report. Please help me to get this issue resolved. Again, I did not give these companies permission to pull my credit, to authorize my credit report.
Product: Credit reporting or other personal consumer reports

on or about XXXX i sent a notice of dispute to experian which they failed to investigate ..following there response see attachment .. i sent a follow up letter on or about XX/XX/23 again disputing the inaccuracies on my report with no results..i sent XXXX more disputes dated on or about XX/XX/23 and XX/XX/23 and again experian did not investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, XXXX of XXXX after phone conversations with XXXX XXXX and XXXX XXXX   they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, XXXX XXXX ( in XXXX and XX/XX/XXXX ) and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. I did not have knowledge of the judgements until XXXX, they appeared on my credit reports. 
I contacted Experian, XXXX, XXXX XXXX in XXXX to inform them, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to Experian, XXXX, XXXX XXXX. These judgments still do not appear on any report I have access to. However, I applied for a mortgage in XX/XX/XXXX and XX/XX/XXXX, and was shocked and blindsided to learn these judgements were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted. 
I pay Experian, XXXX and XXXX XXXX {$19.00} a month each and have been for years to monitor my credit for correct and accurate information, instead I ; m being provided reports excluding judgements, believing they were deleted from my credit, They report these excluded judgements to 3rd parties without my knowledge, since judgements have been wiped from the reports they provide directly to me I pay them for, they collect their monthly fees from me and provide me with false information.
Product: Credit reporting or other personal consumer reports

I demand the removal of incorrect hard inquiries under 15 USC 16c-2, as they were not authorized.
Product: Debt collection

I rented a vehicle from XXXX and returned it with the exact amount of fuel it had at the start of the rental. Despite this, XXXX charged me {$140.00} for fuel. After speaking with a manager at their XXXX, XXXX location, I was informed that this charge was an error based on photographic evidence showing the correct fuel level. I was assured that a refund would be processed to my XXXX XXXX account, which could take up to two weeks. After three weeks of waiting, I called again, and the manager stated that the credit could take up to five to six weeks. 

After waiting for more than six weeks and not receiving any refund, I submitted a dispute with XXXX XXXX on XX/XX/year>. The dispute was resolved in my favor on XX/XX/year>, and the erroneous fuel charge was credited back to my account. 

Despite this resolution, XXXX has now sent this account to collections through TSI, claiming I owe {$140.00} for toll charges. This charge is entirely incorrect. I have all necessary receipts proving that I paid all tolls via XXXX during my rental period. I have never received a bill, phone call, or email indicating any outstanding toll charges, and I would have received a notice if there were any past due charges. 

Actions Taken : XX/XX/year> : Submitted a dispute with XXXX XXXX regarding the fuel charge, which was resolved in my favor on XX/XX/year>. 
XXXX sent my account to collections afterward, alleging an unpaid toll amount of {$140.00}, which is false. I have documentation proving all tolls were paid and that no such balance existed. 

This appears to be an attempt by XXXX to charge me erroneously after failing to bill me correctly for the fuel charge. I request that the collection account be canceled immediately, as these actions are unjust and damaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, Equifax did not fix my issue According to my previous communications with Equifax, Its mentioned that my name, address, social and various identification details were verified as being accurately verified, also Equifax acknowledged various letters to me and various consumer protection bureau response to me. Equifax did not address or fix my previous complaint where as XXXX credit card and loans information missing in the credit report since XX/XX/XXXX. I also ran Equifax credit report dated XX/XX/XXXX and I did not find missing XXXX credit card and missing XXXX Auto loans, which have been paid off and also attached XXXX closing Auto Loans to my previous consumer financial bureau complaints. I have no idea, what kind of fraudulent investigation has been done by Equifax and there was no evidence and no investigation report attached to my consumer finance bureau response, no transparency at all. XXXX also sent official letter that they correctly reported all my closed XXXX loans and Credit Card information to Equifax. Could you kindly direct my complaint to Respectable Federal Officer against Equifax, their fraudulent investigation, no evidence attached to my previous complaint response, also no explanation why closed XXXX credit and auto loans removed from the credit report. Could you direct Equifax to add my closed XXXX credit and Auto loans in the credit report, which needs to be part of the credit report for at least 7 years and removing Auto Loans from credit report is a fraud and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is incorrect, please remove /delete any and all addresses on my credit file except for the one thats on my government issued state id .... attached. All others I never physically resided at. See the Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a prev. dispute detailing my situation and what items should be removed in leu of the situation. I also asked for particular information if these accounts were not removed but was not provided to me upon completion of the requested investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple different letters to the credit bureaus trying to get items that are inaccurate removed from my credit. The last letter I sent to the bureaus was XX/XX/XXXX asking for proof of how they verified the information on my report, I have yet to receive any form of communication from the bureaus. So on XX/XX/XXXX I submitted a complaint through the cfpb portal, the bureaus responded by saying they need to do a investigation into the complaint and that they will respond back to me in 30 days. It is now XX/XX/XXXX it has been 79 days and I haven't received anything from them. So I want to file this complaint expressing that the bureaus haven't done what they said they were gon na do and also feel like they are taking advantage of the time they have to respond due to COVID19. 

Thank You