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

I live in a building where there are code violations the was determined by the City of XXXX. The current board does not response to your request or calls when it comes to the repair of their portion of the repairs. They constantly place their responsibility off on the tenants. Most of the tenants are aware of this so we have held our assessment fees. Because we have have held our assessment fees the XXXX XXXX for the building have sued people in the building and placed a lock out on the door. The XXXX XXXX changed the locks on the entry doors and my apartment door. I was called at work on XX/XX/2018, and was told that if I did not pay the {$5700.00} owed they i would not be able to enter the premises. I left work and had a friend of mine to get the money and pay the bill on my behalf. I was advised by my friend that he was not allowed to make the payment and that I had to pay the bill in person. So, I paid the bill in full but it shows that the bill is past due on my credit report. I have tried repeatedly to get a release of debt from the XXXX XXXX, the building manger, and the Attorney but they are not returning my calls. I would like to get a release of debt and for the XXXX XXXX to clear my credit and show the debt paid in full.
Product: Student loan

I have spent months attempting to get Nelnet to update their records, and to stop harrassing me to " collect a debt '' that is/should be showing as " XXXX XXXX ''. I've provided numerous attachments to the company, have spoken with the school, and everything is correct except for Nelnet.
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 {$3300.00}, {$15000.00}. 
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 ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX XXXX XXXX XXXX XXXX  cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported all my accounts as 90-day late in XXXX XXXX when in fact my forbearance covered the following months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with XXXX since XXXX and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to XXXX regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to XXXX advocate department on XXXX/XXXX/XXXX to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a XXXX XXXX customer for approximately ten years. Around XX/XX/XXXX, after moving from XXXX XXXX, TX to XXXX, TX, I decided to purchase a XXXX tablet for my grandson, who was only 4 years old at the time. I purchased the tablet from a XXXX kiosk located in XXXX XXXX XXXX at XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, because, as we passed the kiosk, my grandson saw the tablet and asked for it. The young salesman helped me purchase the kiosk and set it up. At the time, I paid around {$250.00} for the tablet. 

In XX/XX/XXXX, I received a bill from XXXX that included a $ XXXX charge for setting up and activating a cell phone number I did not recognize. After speaking with XXXX customer service, I was told the charge was for the cell number assigned to the tablet. I told them it was not my intent to purchase a second cell number for a 4-year-old. The representative told me to go back to the kiosk and tell them to correct the mistake, which I did. When the salesman 's manager called XXXX on my behalf in my presence, the XXXX representative, he talked to told him they would cancel the cell number assigned to the table and correct my billing. 

XXXX XXXX repeatedly refused to correct the tablet cell number 's activation charges over the next two months, which had never been used since I did not know it existed. Finally, since my 2-year agreement with XXXX XXXX expired in XX/XX/XXXX, I changed my wireless carrier to XXXX XXXX in XX/XX/XXXX while still disputing the new cell number 's activation charges XXXX XXXX. XXXX was unable to resolve the matter with XXXX to take advantage of a {$250.00} XXXX account transfer credit. 

I discovered in XXXX that not only had XXXX XXXX reported a collection account with the three major credit bureaus, but the company also reported that they charged an unpaid bill for {$650.00}. I contacted the credit bureaus and disputed the reporting. I was told an investigation would be initiated, but the derogatory item is still on my credit reports. I hired a credit repair service to help me fight the matter in XXXX and XXXX refused to correct the erroneous credit reporting despite repeated demands for proof of debt. 

To this date, this matter remains unresolved. The matter had not been resolved to this date. The credit bureaus are not reporting this as a disputed account. I was repeatedly referred back to XXXX XXXX regarding the matter since they were reporting the charge off as valid and correct. 

I reviewed my XXXX XXXX XXXX report on XX/XX/XXXX, XXXX. I discovered that XXXX XXXX assigned my account to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, MN, XXXX, who began reporting the disputed unverified and contested debt as a new charge-off on XX/XX/XXXX. I also learned my credit score had declined by over 40 points that day. 

I consider this a violation of the Fair Credit Reporting Act. I feel no choice but to request a formal inquiry into XXXX XXXX 'XXXX   violations of this consumer protection law.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from Experian. 

Please delete the following account : XXXX XXXX Account number : XXXX Balance : {$0.00}
Product: Credit card or prepaid card

i disputed this charges previosuly sent the company proof the removed it and added it back im furious and cant believe i cant trust the creditor i have done business with this company has charged me an additional XXXX for service i cancelled when they are selling inaccurate and misleading service
Product: Credit reporting or other personal consumer reports

In accordance with The Fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 604 says I have the right to privacy and 15 USC 1681 604a says they can not furnish anything without my written consent and I did not give written consent to to report anything
Product: Student loan

XX/XX/2014 I had advised these XXXX companies National Collegiate Trust and American education Services who administer the loan for National that this account was an Identity Theft. I have sent them numerous packet of affadavits and police reports regarding the theft and their own paperwork that shows that my signature was forged. I have sent numerous letters to the Vp of Loan Operations I have even put complaints in on this site and they still have not responded nor have they taken the information of my credit report. What they have done is send the account to XXXX different collection agencies that harrass me about this account until I send them the identity theft paperwork. I have also filed complaints with the board of ed and federal trade commission. But to no avail. I feel these companies are just scam companies and should be put out of business!!!!!!!!!!!
Product: Debt collection

I had a townhouse at XXXX XXXX  in XXXX, KY which I stayed at for about XXXX months. The home was infested with mice. I reached out to the office multiple times ( many times through email for proof which I still have ) the issue remained unresolved so I reached out to a legal aid and they provided me with a XX/XX/30 letter to send to my landlord meaning my landlord had 14 days to fix the mice problem or I could move in 30 days from the time the letter was sent without paying. The problem still remained unresolved so I reached back out to legal aid ( I have these emails as well ) he assured me the 14 days had past and they did not hold up their end I was free to move without owing that months rent or paying to break the lease since the living conditions were unsanitary ( the mice had babies in my kitchen and I was able to capture one on camera since the apartments kept telling me they didnt see any mice ) I asked them to move the stove back because thats where I seen one of the baby mice run under and they couldnt even do that. I moved and now they have put the debt on my credit ( which they have not taken any legal action to sue me bc they know they will lose with the proof I have ) but now my credit is ruined and I will not be able to move again with this almost {$8000.00} debt on my credit. I reached out to legal aid again he said since they have not actually sued me they couldnt be of assistance and the only thing I can do is dispute it with the credit bureaus but 2 of them wont remove the debt and XXXX has removed it twice and XXXX keeps putting it back. Please help me get this permanently removed from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned that the credit bureau is not correctly sharing my credit information. My credit score is excellent yet I am being offered exorbitant interests on loans, credit cards, and credit card offers. I recently again checked my credit report and one of my accounts transferred from XXXX XXXX  to XXXX XXXX XXXX  continues to show as closed on my credit report and not removed from my credit report. The credit bureaus can not explain to me why I am being offered such high interest rates with my excellent credit. 

Also, I have filed for reimbursement for my XXXX XXXX credit information being hacked and after several months of waiting, I have not yet received a response nor reimbursement as required by law.
Product: Mortgage

I obtained a loan from Wachovia Bank in 2008. Wachovia was later bought out by Wells Fargo. The following issues warrant my complaint : -I recently received loan documents from Wells Fargo -The property land description is incorrect and the property street name is misspelled -My initials are forged on the land description page ( hand-numbered as pageXXXX ) -The loan was originally a fixed rate conventional mortgage loan ; however, when the loan was changed to Wells Fargo, Wells Fargo changed the loan to a home equity without consumer knowledge or consent. Such change restricts refinance options as opposed to conventional mortgage loan ( based on information I 've been given by Wells Fargo mortgage representatives )
Product: Vehicle loan or lease

Filed dispute on XX/XX/2020 requesting copy of the contract with my authentic signature.under the FCRA I am allowed to make this request.it has been 40 days and I have not received contract with authentic signature.The FCRA allot 30 days for a dispute to be completed.
Product: Debt collection

They will not stop calling. They call on ave XXXX times daily. Since XXXX XXXX I have record over XXXX attempted calls
Product: Mortgage

Good afternoon, I purchased a home through XXXX XXXX and my home closed on XX/XX/XXXX after a VERY long drawn out process. My first payment was due to XXXX XXXX on XX/XX/XXXX. I reached out to XXXX XXXXXXXX  to ask how I make my payment and was advised to mail my payment to XXXX XXXX. I was told my loan was going to be transferred to a new servicer ( I was not informed of who the servicer would be ). I made my payment early and mailed in a Cashiers check to XXXX XXXX which they received AND cashed on XX/XX/XXXX ( confirmed by XXXX XXXX because I got a letter on XX/XX/XXXX saying XXXX was taking over my loan as of XX/XX/XXXX so I wanted to confirm they got my payment ). Round Point Servicing contacted me early XXXX to advise my payment was late. I let Round point know I was n't sure what they are referring to because I made my payment to XXXX XXXX and got conformation from XXXX XXXX at XXXX XXXX that XXXX development received the payment. I received a letter in the mail from Round point around XX/XX/XXXX or XX/XX/XXXX stating my loan had been transferred to them as of XX/XX/XXXX. I am in the middle of a battle with Round Point and XXXX XXXX to try and figure out resolving this " late or missing payment '' issue. I have been in contact with XXXX XXXX numerous times and I feel my needs are not being met. I was informed by XXXX XXXX at XXXX XXXX that this would be handled and if I had any issues with Round Point to reach out to them and they will handle it. The last few times I have reached out to XXXX XXXX  about this issue it has been ignored. I 'm told someone will follow up with me shortly and nobody ever calls me back or emails me back. I sent an email on XX/XX/XXXX advising I still need help because Round Point calls and emails me all the time about this missing payment. I 'm not sure what else I can do at this point as my needs are not being met, I was not informed of this servicing transfer until after it took place, I 'm being harassed by Round Point, and nobody can seem to get back in touch with me at XXXX XXXX.
Product: Debt collection

Received letterXX/XX/XXXX/18 indicating a debt on a XXXX account. Does not indicate XXXX account information, SSN, or any other details to validate the debt. I checked my XXXX account, and there is no problem as it is linked to my bank account. 

XXXX XXXX XXXX XXXX . 
Creditor : XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Last XX/XX/2022 I receive an email from Paypal that my account was permanently limited up to 180 days. It was a big mistake because I believe that I didn't violate any of the Paypal 's terms and conditions as I use this payment platform on my online business Binary options trading selling virtual goods since XX/XX/2022 up to present. My Paypal account, XXXX has funds in it that I need to withdraw but unable to do so and I really need that money as soon as possible. I hope that the restrictions applied to my account will be lifted so I could withdraw my funds. Thank you for consideration and God bless.

I attached my valid I.D . for identity verification. Please see attachment.
Product: Mortgage

As a single mother of two -- working XXXX jobs -- I tried many times to save my house and either lower the cost of my mortgage or do modifications, as both were denied by Wells Fargo. My real estate agent fought for XXXX years in order to get Wells Fargo to assist with the modification only to be denied for unknown reasons. Upon many different ways of approaching Wells Fargo, and being denied contact, abusively talked to, hung up on, totally ignored, my agent and I decided to sell the property in XXXX, PA. Even so much as having it short saled. We had XXXX good offers and Wells Fargo with their snooty attitudes denied both sales. I lost my home, I lost my XXXX- both girls had to find other places to live, and my mother ( who had helped me purchase the home ) died amongst all this uglieness.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 2 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.

Under 15 U.S. Code 1666b 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. 

There were fraudulent inquiries made on my experian credit profile and I would like for these to be removed immediately '' XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

Tried to work this out with the company directly they declined through email and told me to deal with their lawyer so Im filing another complaint. It isnt the lawyers fault that XXXX  keeps violating my consumer rights. Im getting the run around so whos responsible for the right violations? XXXX will be held accountable for these violations. 


Dear XXXX XXXX XXXX, I am writing to formally request a review and adjustment of the late fees applied to an alleged credit card account, XXXX  account # XXXX in light of the recent rule finalized by the Consumer Financial Protection Bureau ( CFPB ) located straight from the CFPB website on XX/XX/2024. This rule effectively reduces the maximum allowable late fee from {$39.00} to {$8.00} by closing a loophole that had been exploited by large card issuers. 

I have noted that the alleged account has incurred late fees totaling well over {$500.00}, which I believe are excessive and inconsistent with the new regulations established by the CFPB. Specifically, I am requesting that the late fees charged be reduced to the new standard of {$8.00} or dropped completely as stipulated by the CFPB. 

I kindly ask that you review my account and adjust the fees accordingly. 

If my request can not be accommodated, I would appreciate a detailed explanation regarding the decision. Should I not receive a satisfactory resolution, I may consider filing another complaint with the CFPB, where I will seek additional compensation of up to {$1000.00}, in addition to the other substantial damages I have already faced. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported in to be removed.

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. 

XXXX 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! 

Delete the late payments from my consumer reports