23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear Sir/Madam Amount is XXXX and some change. 

XX/XX/XXXX while i was at work, i went on break to purchase some food but my bank card wont work. I did try it three times but still wont work. So i decided to login on my bank App to check what is going but for some reason Bank of America changed my card for a new card no idea why. So when i looked my available balance, for some reason my balance were very low and started going on details of charges on my account. While i was scrolling down i found lot of charges with the name XXXX XXXX on my account and i contacted Bank of America as soon as possible to make it claim while two transactions with the same name still processing. I did mentioned about the processing transaction but they could not do anytime at the time. But i did call back next day to add that on my claim number. I really dont have access to my bank email because it is my school email and i have been Out of school since XXXX so i wont know my available balance neither get email alert. 

I have been checking all of my purchases online to see if I could find anything related to XXXX XXXX purchases and I have not found nothing that I ordered in the past or received from this website. I also went over my emails for purchases receipt and have not found anything related to XXXX . I am legitmately and beleive 100 % truthfully I have no idea who is this company because the is no where to be found. I also have no idea what the charges are for because it is not really telling me what i purchase and I do not recognize the charges amount, neither the website. 

Therefore, Investigate this matter because these transactions appear suspect. I have never received or buy any goods and services with this Company nor I have dealt with them in the past for any merchandise delivered to above address. I never spoke to anyone or ordered anything from this company. I did receive few alerts in regarding to to XXXX purchases and other site as well but unfortunately I have not gotten any fraud alerts in regarding to these charges, but my card was suspected and cancel by Bank of America. 



I would appreciated your help and a response. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

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
Product: Student loan

We are writing as a collective group of defrauded students and alumni who attended XXXX-affiliated 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 : * 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 The 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 six 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 70,000 students across campuses in 26 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DC XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} 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  Balance : {$9400.00} XXXX XXXX Balance XXXX {$910.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act US Postal Service XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the creditors below and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am making a formal complaint about Midland Credit Management. I found my collection account online, which I do not deny. I have tried to pay and/or settle online and Midland Credit would not allow me to do so and a box popped up advising me to call them to settle. I called them twice. Once on XX/XX/2021 and again on XX/XX/2021. In both phone calls, I was told that I could not settle the account online or on the phone. Midland Credit is not working with me to come to a settlement agreement either by paying down debt or paying less than the current amount due to obtain a closed status on my credit report. This has caused a delay in my home purchase. I am in process of obtaining a home loan. Midland Credit is unwilling to remove account or settle account so I would like this account to be removed from all three credit bureaus.
Product: Mortgage

To whom it may concern, We are issuing a formal complaint against United Wholesale Mortgage ( UWM ) who currently holds our mortgage and escrow account. We believe has violated the law under XXXX. Detailed below is the months long process of attempting to correct our escrow account, have funds owed to us refunded by the institution, and have our escrow payments revaluated to the appropriate amount required to make all payments ( property tax and insurance ). 
UWM practices are unfair to the public. As you can see, it has taken 13 calls to UWM to have our escrow account reevaluated, in the meantime, we are required to pay ~ {$600.00} essentially overfunding our escrow account. We still are required to write a letter to have funds owed to us returned, with no guarantee the funds will be returned to us, not documentation or letter provided to us as to the result of their investigation.

The definition of Unfair per the CFPB : A representation, omission, act, or practice is deceptive when ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances; and ( 3 ) The misleading representation, omission, act, or practice is material. 
An unsubstituted increase of {$600.00} a month in escrow funds is a significant impact to us the consumer. That amount is not insignificant and it carries a financial burden. In the information detailed below, it is clear the UWM staff mislead us, did not provide promised follow-up, failed to provide details as to the review of our account.

Although their UWM staff appear to be untrained, providing misinformation, and making promises they company cant keep, truly it seems as though the customer service is set up to deceive their customers. As outlined in the CFPBs definition of deceptive acts or practices : A representation, omission, act, or practice is deceptive when ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances; and ( 3 ) The misleading representation, omission, act, or practice is material.

It is clearly evident in the details below that the misinformation provided by UWM staff is purposeful, designed to confuse and frustrate people into giving up.

See attached letter for full description and timeline
Product: Mortgage

Insurance Claim on Primary Residence. Mortgage Company mishandling my funds for repair of loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and TransUnion Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

I deposited two checks at the Bank of America ATM at University and XXXX XXXX, FL XXXX and only one check was credited. A {$5000.00} check from XXXX XXXX did not register and I could not retrieve the check.
Product: Vehicle loan or lease

Santander consumer was pay off auto with santander consumer on my credit report still show and late never been payment account in full never been late can you correct this now
Product: Debt collection

This company MIDLAND FUNDING is trying to collect {$640.00} from me for a bill they claim I owe. 
I have sent a written demand that they comply with the Fair Dept Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing me with a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' As of this date, they have ignored my requests for debt validation and has provided nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Debt collection

There have been repeated calls and at all different hours over the course of the past year or so.I have communicated to the company on several occasions that I will contact them when I am financially able to settle the debt.
Product: Credit card or prepaid card

Paypal has a negative balance of XXXX. This is not my balance. My paypal was not used by me to lead to this balance. It was used by someone else, and paypal has not done anything about it. I know who it was used by, and they have asked to have the debit moved to their paypal account, and nobody will listen to me, as I've contacted paypal numerous times about this issue. So since this has happened, my paypal credit account has been dropped from XXXX to a total of XXXX, which was what I owed on the paypal credit account from the beginning. Also two of my Synchrony accounts have been closed, which had a XXXX  balance on them for months, and all of sudden my accounts were reviewed after submitting a compliant to XXXX, with no response from the company. This is the worst business practice. This has made my credit score drop 70 points in a month. I've been working hard on getting my credit score up, and now its dropped again due to someone else 's debt. I feel that all of this has happened because of my complaint to the XXXX, and clearly it has. My accounts have never been closed before, for no apparent reason, like they are being closed now. The negative paypal balance is not mine, and I want to close my paypal account after I pay off my paypal credit. They will not let me close it because of the negative balance, that is not mine. This will be following me forever, and it's not even mine. I have text messages from the person who made the debt, asking me to move it to their account, they claim it.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022 to Experian, XXXX, XXXX. Here is my tracking number for Experian ( XXXX ) & XXXX  ( XXXX ) XXXX ( XXXX ). To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Product: Credit card or prepaid card

Synchrony Bank has received your request for a credit account with AMAZON STORECARD. 
To protect your identity, we checked credit bureau information and other data sources to verify information on your application. These databases may include, but are not limited to, public records, phone directories or social security databases. 
Additionally, our customer service agent might have asked you questions to verify your identity. 
Unfortunately, based on results of these checks, we are unable to confirm your identity with enough confidence to approve your application at this time. 
Some information used to make this decision was obtained from the consumer reporting agency ( agencies ) listed below. This consumer reporting agency ( agencies ) did not make this credit decision and is unable to provide you with the specific reason ( s ) for our action. If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information. If more than one agency is disclosed the reason ( s ) shown are based on the report provided by the first listed agency.

I have decades of perfect credit. My credit score is in excess of XXXX! 
I believe it's age discrimination because as there is NO logic to their bogus reason of can't identify! Ridiculous
Product: Student loan

I have inputed the correct bank account number and routing number to the AidVantage website to pay off my debt. I have send 2 previous payments and both payments towards my student loans have been reversed. The website keeps sending delinquency notices but they won't accept my payments.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments.It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

I have had a credit card with Chase Business and was told that this will not be reported on my personal credit unless the card is delinquent 90 days. I had a chase card for several years and in XXXX XXXX my dad passed. I made a payment over the phone and it was not credited on time so Chase escalated my rate from 8 % to 29.99 % I wrote corporate and they told me too bad. I closed the account and they than escalated the payment much higher that the {$150.00} per month that we had budgeted. I have until the XXXX of next month before this would be 90 days yet I am now being told it will report after 60 days. Nothing has been consistent with this bank and they are frauding the public when this happens. I asked to have call recorded and they denied me yet say they are doing this on their own. I no longer have card and responded to a letter from them telling me they would work with me by lowering the rate if qualified or negotiate a settlement I spoke to a XXXX a XXXX ( XXXX ) who tells me that they will report delinquency on my personal credit after it is delinquent 30 days and definitely 60 days even though I have been told differently in the past. She claims it is the LAW. If this is the case how come other banks do not until it hits 90 days. I am in the credit field and such an action will result in me losing my job. Their actions of raising the rate for not properly posting a payment and then telling me hey could care less ( essentially ) caused the rate and the payment to go higher than what we had budgeted.I have personal credit card accounts with this company and have never missed a beat ( as high as ( {$30000.00} ) XXXX I am afraid that the attitude of too big to fail has truly created this '' monster '' that feels they are beyond complying to the laws and gives them the right to do anything to anyone without any recourse. Hard working people such as ourselves and the middle class bailed them out and have put the public at jeopardy. My card number ends with XXXX. I am afraid without the government intervening in this injustice that after the XXXX of next month it will have additional repercussions and destroy my credit. Letter I received prompting this was XXXX XXXX, XXXX. Phone number for contact was : XXXX or XXXX
Product: Credit reporting

When I recently raised a discrimination complaint against Equifax , they retaliated with my and reinserted XXXX prior State Tax Public Records which were previously deleted and paid. These public records were not on my file in XX/XX/XXXX and were deleted by Equifax last year in 2015. This is blatant Credit Discrimination in itself towards XXXX XXXX who are trying to progress financially and obtain access to credit as other majority U.S. Citizens. I am requesting the GA State Public Records be removed from my Credit File which were previously deleted by Equifax.