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

I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the U.S. Department of Labor/XXXX  through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX  XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXXXXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor i n me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the U.S. Department of LaborXXXX through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX. XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXX bank and they would be able to place students upon completion of the degree. All this was a factor in me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. Department of Education/XXXX forgive debt of {$33000.00} as XXXX XXXX XXXX took advantage of me which resulted to predatory lending practices.
Product: Debt collection

I started to receive calls from a firm calling itself USI Solutions. The main number they call from is XXXX. The claim is that I continue to owe a small {$200.00} amount from a debt that I never owed to begin with. I originally began to receive notices from a law office in XXXX claiming a debt from a credit card I never had. No prior letters, no calls ... .just a letter out of the blue claiming that I owed money from a credit card I was supposed to have had in college in the XXXX time frame. I fought this tooth and nail and eventually I felt I had no choice other that to pay this. I made a deal with the law firm and paid the debt in full in XXXX. I received a letter stating that this debt was resolved with a XXXX   balance. I never heard another word about this until last month. This was almost 13 years later. USI Solutions claim that the attorney I made the original deal with died and it is only now that his unpaid debts are coming to light. I made it clear that they have no right to collect on this based on the statute of limitations. The representative stated that he didn't care and he would call me for the next twenty years if he wanted to. They reused to provide any of the original documentation on the debt. They also refused to provide me with their license number to collect in my state. This company has harassed me relentlessly stating that I never paid the original debt in full in XXXX. They are stating I still owe {$200.00} on it. I advised the firm that all further contact needs to go through my attorney. I gave them my attorney 's contact information. They did not stop calling me and have now called my employer stating that they are trying to reach me to collect a debt. I am a XXXX for a XXXX XXXX XXXX   and this has caused tremendous issues for me.
Product: Mortgage

Bank of america has no legal standing to collect my mortgage payments. There was an assignment of mortgage done years after the merger with bank of america and countrywide and the assignment of mortgage appears to be fraud to me. The assignor portion was left blank and so was the address. And the XXXX employee who signed it were employees of bank of america. Furthermore, countrywide was never assigned to hold mortgage. Bank of America has been collecting my mortgage when they are not the holder or hold the mortgage. I attached the attachment of mortgage and written letter I am sending to Bank of America today.
Product: Checking or savings account

I am inputting a new compliant in follow up from compliant # XXXX. Citi lied in the response that they would be honoring the misleading disclosures and crediting my XXXX XXXX account for XXXX miles. As you can see in the letter attached, they agreed that the disclosures stated I would be credited and that I would receive credit 7-10 business days. This did not happen and instead I was told by their executive office that they lied in the compliant to CFPB and would not be honoring the disclosure or statement they made. I ask that the CFPB look into false disclosures Citi is providing their customers as I was told that there have been a number of complaints about the illegal disclosures on the promotion. I have attached the disclosures I agreed to when opening the account and the letter from their executive office stating that I should have been credited it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed several certified letter disputes requesting Trans union and XXXX XXXX to verify USBK court # XXXX. Each time there response VERIFiED as accurate. I asked for documents and signatures of the original creditors on file that this information is mine and correct. They never provided the information and i advised them to delete the inaccurate information.
Product: Debt collection

After noticing the collection on my pristine credit report for {$350.00}, i called the creditor identified on the report " Law Offices MBA " with original Creditor as " XXXX XXXX '' on XX/XX/2022 and informing them of the wrong assertion being made against my credibility report, i was asked to file a police report to correct their error.
Product: Checking or savings account

A Lawn care company worked at my home, the first week of XXXX. I wrote the XXXX a Check in the Amount of {$12000.00}. He does his banking with Bank of America. B of A deemed it Fraudulent because he wrote his name in ( instead of me ). They took the Funds out of my Account but did not deposit into his account. They have since blocked his account and he can not get into it. I have spoke with the Fraud department and they keep telling me to have the bank that I deal with ( XXXX XXXX  ) to contact B of A and they will file paperwork to return funds. My Bank has called them, the answer they get is that I am to file a Fraudulent claim through my bank and it will go against the Individual that I wrote the check to. This has been going on for over 4 Months. B of A tells me one thing, when my Bank XXXX XXXX XXXX  ) calls they tell them something different. Through all this, I have taken money out of my account in the Form of a Cashiers Check to pay the Guy for his great work. The Account I use for Home Repairs is a Checking account that draws Interest on money that is in the account, I am losing money each month because of this. On that day ( XXXX XXXX ) the money came out of my account, there are 2 checks written to the Individual, yet they only deemed one as Fraudulent.
Product: Credit reporting or other personal consumer reports

I have formally disputed the inaccurate information on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n, which establishes civil liability for willful noncompliance.

Upon reviewing my credit report, I discovered several inaccurate items. According to my records, the reported information is inaccurate because it was not given from me nor was my permission given. Under the FCRA, you are required to investigate this dispute and correct or delete the inaccurate information within 30 days.
Product: Debt collection

I requested a debt verification from debt collection company TRANSWORLD SYSTEM INC. They are reporting inaccurate collection accoun on my credit report that is damaging it. I have sent a letter to them asking them to provide complete documents of this unverify collection account. If this collection agency can't provide full proof of documentation remov it from my credit immediately
Product: Debt collection

I did my own research and this debt were already paid with another debt agency in 2018. I'm not sure why the previous debt agency did not record my payment. I have proof from 2018 from the debt agency also my bank proof payments were made and the account were settled. Sequium Asset Solution should not be trying to collect on a debt has been settled in 2018. By the look on this letter this has to be a very old debt that age of this debt. Enclosed is copies of 2018 settlement letter from another credit agency that I have copies of my voided checks that this company ACH from my bank account also have a email from my bank that shows the amount that were offered in the settlement were paid.
Product: Money transfer, virtual currency, or money service

XXXX XXXX  writing to the Consumer Financial Protection Bureau to seek proper handling of my claims to Wells Fargo to prevent illegal activities and abuse on my account. I was double charged and subject to illegal activities on my account via XXXX XXXX XXXX XXXX XXXX and the XXXX firm XXXX XXXX via XXXX. By rejecting these disputes on my account which took place on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023 respectively, Wells Fargo is claiming that double charges and XXXX XXXX  did not occur and are hiding correspondence from the merchants conceming my case in a manner similar to XXXX XXXX  propagated by XXXX XXXX and his affliates. 
Wells Fargo 's unscrupulous activities has resulted in a {$1600.00} dispute loss despite the fact the XXXX merchant had agreed to refund my trip via their own online policy ( attached ) and XXXX has already issued me a partial refund. By requesting me to file a police report instead of offering a full refund for these double charged purchases and illegal activities Wells Fargo 's is attempting to falsify and defraud XXXX citizens like myself and discredit the investigations of the XXXX XXXXXXXX XXXX XXXX. Wells Fargo, by rejecting my claim disputes are endorsing illegal activities such as a human trafficking incident that occurred with gotogate.com and has been reported to the Department XXXX XXXX XXXX and XXXX XXXX Department on XX/XX/2023 at XXXX XXXX. 
Wells Fargo is supposed to be committed to providing customers like myself quality investigations and disputes services but instead XXXX dismissed my claims in an unprofessional manner. Moreover, on XX/XX/XXXX and XX/XX/XXXX, reported the total {$1600.00} credit card fraud/dispute loss to Wells Fargo and on XX/XX/XXXX it was reported to me that the dispute ID XXXX for XXXX ( {$600.00} ) and dispute ID XXXX for gotogate for ( {$800.00} involving XXXX, confiscation Of passports and filing fraudulent COVID residency report to pass through XXXX hour layover in XXXX, XXXX XXXX under credit card ending in XXXX was denied. When I called to refute this claim and visited the XXXX VA branch on XXXX occasions in XX/XX/2023, Wells Fargo has refused to provide legitimate documentation stating they have corresponded with the merchants and when I requested this documented correspondence from the merchant from the Wells Fargo XXXX XXXX in the XXXX on XX/XX/XXXX they refused to provide this correspondence. Well 's Fargo behavior is tantamount to terrorism and I am seeking a full reimbursement of the {$1600.00} disputed amount as I have been a customer with Wells Fargo for over XXXX years and I wish to continue a productive working relationship with Wells Fargo in the community. I have also attached the police report XXXX XXXX, Escalation Representative from Wells Fargo, recommended I file with the XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 ( filed on XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I requested an income contingent repayment and was denied and told by the representative that I was ineligible. In XX/XX/XXXX I was subsequently enrolled in an repayment plan and told that after six successful payments my late payments would be removed. After six successful payments and several calls and letters, the creditor refuses to update the payment status on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

on XX/XX/20 I initiated a chat with Verizon to find out about the promotion on the Verizon Visa. The agent clearly stated " That is correct! {$10.00} Verizon visa card discount will be applied on top of your {$10.00} auto pay discount. '' and the screenshot of the chat with the chat ID is attached. Now that I have made the decision to apply for the card and was approved, Verizon has told me that the agent lied and that there is no promo. The promo actually does not even exist, and never existed. They used this false information to persuade me to apply and the whole thing was a lie. Applying for credit negatively impacts your credit score. Also, if I cancel the card, it will again negatively impact my credit score. So as a result of their false information I am stuck with a card, that they do not intend to honor the promotion provided by the agent. I called customer service and had my issue escalated to their management team, who told me that they have seen multiple issues like this recently. So it seems that there is an entire class of people who have been convinced to apply for credit under false pretenses. This is absolutely astonishing and should be stopped immediately. There has been no resolution provided other than they are sorry the rep lied. This is not acceptable.
Product: Debt collection

Billing agency sent claim/bill to the wrong insurance company. All correspondence to me regarding this matter went to a previous address. Did n't have any knowledge of mishap until I checked my XXXX account. My insurance company advised me to have original billing agency re-submit the claim/ bill for payment.
Product: Vehicle loan or lease

Flagship Credit Acceptance didnt hold up to their end bargain. I asked for more time for my payments originally. I was told I would have to voluntarily turn the car in at no fee or they would pick the car up. I never received a letter in the mail saying the sold the car and I was due a major debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors und

er 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and AMEX with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

on XX/XX/2023, chase bank removed all the funds from my checking account and closed my account. I tried numerous times to talk to them but they won't do anything. They said that the writer of the check ( my employer ) did not have a matching phone number associated with the company or something along those lines. I had my employer on the line and we verified everything with them, even showing some extremely private documents of the employer, but because the phone number did not match the phone number in their database ( which is wrong in their database ) no amount of talking would get the bankers at chase to reconsider. Also, the funds had been cleared from my employers account no problem, the check was funded etc. They just haven't returned the money in the check to myself or my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Hard Inquires Listed below, 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX   XXXX   XXXX     I filed for Chapter  XXXX  Bankruptcy. I had  XXXX  tax liens at the time for {$250.00} and {$3400.00} respectively. These tax liens were covered and paid through the bankruptcy. The Bankruptcy has dropped from my credit report but the tax liens have not. The tax liens report as released - but  XXXX  and Transunion have both responded to my disputes saying the information is accurate. It 's my understanding that the tax liens should drop 7 years from the file date once paid or if paid through Chapter  XXXX  bankruptcy - when the bankruptcy is removed.
Product: Credit reporting or other personal consumer reports

Hi I was aware of my credit report being used to be ran I havent gave anyone permission to run my credit I will like for the hard inquiries to be removed off my credit report
Product: Debt collection

Portfolio Recovery Assos. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Bank account or service

I have been a victim of debit card fraud in XXXX, TX. Bank tells me that someone used my card with security chip and PIN, which is impossible because I was in a different city with the card in my possession. I did not authorize anyone to use the card or share my information with anyone.
Product: Credit reporting or other personal consumer reports

I only have one VICTORIA SECRET account and not two. I have a Victoria Secret account and a XXXX XXXX account. XXXX violates the consumer protection law by having two duplicate accounts on my credit report. I assume that when comenity sold the debt to XXXX XXXX XXXX they are also reporting me. These two account have different account numbers which I find extremely odd. This is FRAUD. Please see previous complaint regarding XXXX XXXX and Comenity Bank. I plan on seeking a lawyer and suing XXXX, Comenity Bank and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my complaint about the erroneous account information that was registered on my credit report. This inaccurate information has breached my privacy rights and my right to confidentiality as laid out in the Fair Credit Reporting Act. According to the act, the list of accounts below has infringed upon my federally safeguarded consumer rights to privacy and confidentiality stipulated in 15 USC 1681. 

XXXX XXXX : XXXX XXXX XXXX & XXXX : XXXXXXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) must have reasonable procedures in place to ensure that the information they provide to third parties is accurate and up-to-date. Additionally, 15 U.S.C 1681 Section 602 A states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 states that a CRA can not furnish an account without my written instructions, and 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no CRA may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate.