23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX disputes XXXX disputes, XXXX disputes XXXX disputes all of XXXX and XXXX of XXXX via online via uses, via phone calls to dispute. I am guaranteed accuracy per Federal law and the FCRA and this company has ignored my rights, continues to report numerous damaging inaccuracies and are negligent to me and my consumer report. They have had numerous chances to correct all of these inaccuracies and their assumption is not a valid reason to disregard federal.law and my guaranteed accuracies. They flat don't XXXX care nor do they take their job and their inaccurate reporting seriously. And no cause of proof of inaccuracies has been brought to life. I want to be compensated for each and everyone. The allowed time frame has expired multiple times. I demand compensation per Federal.law IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have settled my account for {$800.00}. The balance was {$1200.00}, and the collection is showing that I owe {$430.00}. I have filled disputes.and its coming back as accurate. Thats ridiculous.
Product: Debt collection

Request for 1099- C letter of discharged debt, as required by the Internal Revenue Service ( IRS ), for the alleged debt reportedly showed charged off as of XX/XX/XXXX. On my credit reports with Experian, XXXX XXXX, and XXXX XXXX XXXX. 

Also, this account reflects opened date of XX/XX/XXXX. Which is in violation of of federal law violating the statue of limitation. Of 7 years this account is past 7 years old and should be deleted from my credit files with all threee credit reporting agencies. 

Per the FC

RA 15 usc 1681. I rquest that this account be deleted. As, well that I be sent copy of letter of discharged debt per pursuant to IRS regulations. I demand that this information of discharged debt. Be sent to me within 10 business days in response of this being sent by VIA CERTIFI
ED MAIL, RETURN RECEIPT REQUESTED.

( See attached disputed request of 1099-C pertaining to discharged debt ).
Product: Debt collection

XX/XX/19 I emailed to get a payoff letter. I received no response. On XX/XX/19, I contacted the company to get a payoff letter. She stated it would be sent to me via email on XX/XX/19 Tuesday and it will be good for 30 days. Tuesday came and went. I contacted the company again only was able to get a voicemail and then I sent an email with no response. I contacted the company again on XX/XX/19 with some story about they have to wait to send me accurate information because they don't want me to underpay or overpay. They received a payment from my garnish wages on Tuesday so it changed the amount owed. But before the payoff amount would be good for 30 days. After several phone calls, still no payoff letter and no date on when they are able to give me a payoff letter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX & XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Mortgage

Dear Consumer finance team, We have had a conventional loan for our property in XXXX, TX since XX/XX/XXXXwith our lender, SWBC mortgage. We were never late on payments and in XXXX we took advantage of the CARES act forbearance plan, as provided by federal government. 
This was due to financial hardship and thankfully, we were able to resume monthly payments in XXXX and we were current ever since. 
Because we have been paying PMI on our loan since XX/XX/XXXXand since our home value has increased substantially, we asked SWBC for the PMI to be removed but were told because we took advantage of the CARES forbearance program, our payment is considered late in XXXX and that we no longer qualify for PMI removal, despite our good payment history and despite the property value increase. 
We find it to be very unfair to be put into this position because according to their assertion, we may never qualify for PMI removal since the CARES act caused a late payment in their system. 
I tried numerous times to reach out to the SWBC team to find a fair solution to this, but unfortunately, no one could help me with my ask. 
The COVID pandemic was not our fault, and I find it unfair to be penalized by my mortgage company for something that is an act of XXXX. 

I really hope you can help me with finding a resolution and thank your team in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance for my student loan debt is reporting multiple times on my credit report for different amounts, under the same account number.
Product: Checking or savings account

I didn't see a specific category for Fraud claims so I picked Closing Account as I can't close the account until the fraud claim is resolved. Opened XXXX claim XXXX for multiple incidents from XXXX in XX/XX/year>. After some back and forth some of the funds were credited back. However, Citizens Bank denied some claims without explanation and the claims were identical to the ones they previously found valid and credited back to the account. When calling Citizens, the first line of customer service representatives are always different and I have to explain everything from the beginning each time. Many times the line would get cut off and I would have to dial back in and get back in the wait queue. Requested to speak with a XXXX and transfers were often dropped, resulting in having to restart. The average time spent to talk to Citizens is XXXX to XXXX hours after having to call back multiple times after being dropped. They never call back. I can never speak with someone who is directly working the claims. The fact that they seemed to have arbitrarily denied claims that were similar to ones previously approved is not acceptable. I've done my own research and it is obvious that this claim is valid and the companies involved are fraudulent. I read where Citizens was fined by the CFPB for not dealing properly with fraud claims. My experience with them has been nothing short of unprofessional and frustrating.
Product: Credit reporting or other personal consumer reports

Account Name : THE BUREAUS Account Number : Unknown How are you reporting that this has been opened since XX/XX/year>? Thats impossible delete. 

YOU ARE IN VIOLATION OF THE FDCPA AND FCRA YOU ARE REINSERTING THIS AND HAVE NEVER NOTIFIED ME DELETE THIS IMMEDIATELY AND STOP REPORTING THIS ON MY CONSUMER REPORTS 15 usc 1681 i ( 5 ) ( B ) ( ii ) ( iii ) re-insertion of previously deleted items This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681 . 

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa :
Product: Checking or savings account

On XX/XX/year>, My families bank accounts were hacked. We had a personal joint savings account ( me and my husband ) that was hacked and over {$13000.00} was Transferred online to my husbands Business Account ( XXXX XXXX ). My son, XXXX XXXX personal checking account was hacked and over {$16000.00} was also transferred into my husbands business account. My husband is on this checking account also. Then my husbands business account was then hacked and the entire amount, almost $ XXXX was taken out. We only found this out on Saturday XX/XX/XXXX because my son went to use his debit card and it was declined. Thats when he checked his account and saw the over $ XXXX withdrawal. It said, forced transfer. He told us and we then checked our joint savings account on line and thats when we saw that over $ XXXX was taken out of our personal savings account. My husband then called the regions fraud line on XX/XX/XXXX and they froze all of our accounts. We were told we needed to go into a bank on Monday and file an official report. We went to our local XXXX  branch in XXXX, La on Monday XX/XX/XXXX to file the complaint, After about 3 weeks, They denied our claim. We were not able to get any real reason as to why. We then appealed and they denied our claim again because they said the money from our personal accounts were transferred to an account we own ... ..which was my husbands business account. Yes we already knew that. The money was then transferred or withdrawn from his business account. We did not do this nor did we authorize this. No one is able or willing to give us any answers as to what they have done to find our money. This was all done on line. This was a large amount of money from both of our personal accounts and we were never called and questioned about this. Also, if you look at our account history, we have never co mingled our personal and business money. This should have big a big red flag for the bank and it should have never happened. It is virtually impossible to even talk with anyone in the fraud department. This is ridiculous. We did not take our own money. And at no point did anyone catch the fact that this LARGE amount of money was being taken out. We were never notified. If they were on top of this they would have seen that we have never taken this large amount out without going in the bank personally and we have NEVER co mingled personal and business money. This should have been a large red flag. We asked them what have they done to find out where and how it was taken from my husbands Business account and we still have no answers. This has been going on for almost 3 months now. We now have a lawyer and the sheriffs department involved. This is a large amount of money that we need back. This bank has failed us and has not done their job. This is on them and I feel certain this was an inside job.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Collection Account Dear Sir/Madam, I am writing to dispute the collection account listed under my name, [ XXXX XXXX XXXX Account XXXX XXXX ], which appears on my credit report. I am requesting that this collection be removed from my credit file within 7 days due to the following reasons : 1. Failure to Validate Debt ( Fair Debt Collection Practices Act - FDCPA, 15 U.S. Code 1692g ) Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. To date, I have not received any verification or proper documentation to substantiate this debt. Therefore, I am requesting that you provide proof of the debt within 30 days of receiving this letter, as required by law. If you can not provide proper validation, you are legally obligated to cease collection efforts and remove the account from my credit report.

2. Reporting Inaccurate Information ( Fair Credit Reporting Act - FCRA, 15 U.S. Code 1681i ) According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to report accurate information. If you fail to provide proof of the debt, I request that you immediately notify the credit bureaus to remove this collection from my credit history, as it constitutes inaccurate and unverifiable information under the FCRA.

3. Time-Barred Debt ( State Law and FDCPA, 15 U.S. Code 1692f ) If this debt is beyond the statute of limitations in my state, then I request that this collection account be removed as it is considered " time-barred '' and can not be legally collected or reported. Please confirm the age of the debt and provide the relevant documentation.

4. Failure to Notify of Debt ( FDCPA, 15 U.S. Code 1692g ( a ) ( 1 ) ) Under the FDCPA, you are required to notify me in writing within 5 days of your initial communication about the debt. If you failed to provide this notice within the legal timeframe, then I request that the collection be removed from my credit report as a violation of my rights under the FDCPA.

Since the debt remains unverified and the collection practices may violate the laws referenced, I respectfully request the immediate removal of this account from my credit report and cessation of all collection activities. I expect a response from your office within 7 days of receiving this dispute.

Please consider this letter as my formal request for the removal of this collection account. If I do not hear from you within this period or if you are unable to provide the required documentation to substantiate the debt, I will take further action as permitted under the FDCPA and FCRA. 
Thank you for your prompt attention to this matter.
Product: Student loan

In the fall of XXXX I enrolled in a Masters Program at the XXXX XXXX for Advanced Studies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL, XXXX. At that time, I applied for and received a Federally Insured Student Loan in the amount of {$12000.00} in order to help pay my expenses. 

Due to complications from the aftermath of Hurricane Andrew the year before, my parents moved out of state and I was without help in taking care of my XXXX children. 

Trying to balance school, work and children proved overwhelming and I was forced to leave school and also move out of state. 

As I was between jobs, employed at minimally paying jobs or even without work for several years, I was unable to make payments on the original loan and defaulted. 

My original loan was eventually purchased XXXX XXXX XXXX XXXX XXXX PA and I was made aware of the loan 's existence again when I filed for bankruptcy in the early XXXX 's. The method of my becoming aware was when attorneys contacted my husband, whom I did not even know at the time I took out this loan, and threatened to garnish his wages for repayment. Needless to say, this led to a divorce. 

As I have finally worked myself into a regular fulltime teaching position, I have been attempting to make regular payments in the amount of {$300.00} to {$1000.00} a month in order to try and get the amount down. 

Every month I receive a bill and I have never had a bill which indicates my Current Balance of almost {$32000.00} is decreasing. 

This brings me to the point of my complaint. I have no problem in repaying the original amount of my loan plus a reasonable interest. However, my original {$12000.00} is now, according to AES, {$31000.00} and in the time I have been paying, it has never gone down. This while the statement tells me I have paid a total of over {$29000.00} in both interest, {$21000.00} and principal, {$8000.00} over the years, with the {$31000.00} yet to be paid. 

I have asked AES for a complete accounting on this loan from the time it was originated until now. They have told me they are unable to provide that information. 

Any assistance your agency could provide in assisting me in either getting a full accounting or assisting in understanding how much and how long I would have to pay until this is paid off, or even if it could be forgiven considering how much I have repaid over the years would be appreciated. It appears this will never, actually be paid off, but will continue to provide AES with income for the rest of my life. 

I am concerned that at the age of XXXX, with retirement on the horizon, my retirement income will not be enough to repay this loan and still survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. 
this could be it XXXX  : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. 

XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... XXXX XXXX XXXX, U.S. District Court, XXXX XXXX XXXX California, No.
Product: Credit card or prepaid card

This is a follow up to my original complaint in regards to my account ending in XXXX. I wanted to send information over in support of my complaint about the payment issue I faced in XX/XX/. As I mentioned in the first report, I made my payment online as I always do. It was not 30 days late. My payment was ultimately the incorrect amount. However, being that we want to keep this factual, the amount was what was presented to me on the mobile site for that account. And that is the amount that I paid. In fact, over the year, I have had to ignore the mobile site each month as I pay those payments because it still gives the incorrect payment due.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance which states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

According to my reports on XXXX, XXXX and XXXX, they were all in violation of these terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

Immediately remove the following account XXXX XXXX  XXXX  open date : XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MDXXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Date XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX BalanceOwed : {$0.00}, XXXX XXXXXXXX Balance Owed : {$770.00}, XXXX XXXX BankruptcyDischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, DPT EDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX : XXXX XXXX XXXXXXXX Balance Owed : {$410.00}, XXXX  XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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
Product: Mortgage

My name is XXXX XXXX. I had HELOC OVER 10 years ago which I paid and closed over 9 years ago. Wells Fargo failed to remove their name from the title and they are holding my closing. The buyer might walk away because of the hurdles by wells fargo. please help
Product: Debt collection

SECURITY CREDIT SERVICES Is requesting that I pay {$1800.00} for a account that is no obligation of mines. Account was opened Date opened XX/XX/2016, 15 usc 1692b only a consumer can claim debt. I dispute this account on XXXX  and they stated the creditor verified the account was accurate which is also a validation of 15 use 1681 ( A ) ( E ) none of my family or associates was contacted which would mean a full investigation was not done this would also mean there in validation of 15 usc 1692f, 15 usc 1692e, 15 usc 1692d, 15 usc 1692j, 15 usc 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraud and need to be removed immediately. I am a victim of identity theft. Please remove the accounts listed in the FTC affidavit I didn't make these charges whatsoever! Please remove these as they are causing me harm & inconvenience as a consumer. I XXXX XXXX am making this complaint. Not a third party like you tried before.