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

XXXX XXXX XXXX XXXX charged me for my federal student loans for one semester. I failed the classes so I decided to drop out of my XXXX and continue at a later time. XXXX ignored my request to drop before the due dates. I text message chain to show when I asked to be dropped. So now I have student loans for the failed classes as well as the classes I requested to drop. Understanding I owe the money on the classes I failed, I have them as a student loan debt. They then try to tell me that I owe the school on top of the federal loans for the class I failed, and then added on top of that for not dropping in time. They sent those claims to collections with ConServe. My Federal Student loans are currently frozen under the coronavirus relief, but the school is wrongfully billing me on top of charging student loans and making money off that. ConServe received all documented proof and is still attaching to my credit report. Its clearly fraud and a mess up with the billing department.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : EXPERIAN Account Name : XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$390.00} Date Opened : XX/XX/XXXX Account Status : closed I did not receive the required 21-day prior written notice from the creditor/lender regarding the late payment, as mandated by 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to correct this with the credit bureaus and the creditor/lender, the incorrect entry remains. I request the CFPB 's assistance in investigating this matter and ensuring the erroneous late payment is removed from my credit report.

**Account Name** - Late Payment Dates 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: Credit reporting, credit repair services, or other personal consumer reports

Statefarm and XXXX XXXX has reported information about my husband XXXX without me his legal caretaker. I'm responsible for all of XXXX XXXX legal decisions and there was no official HIPPA form filed for life insurance. I am giving you allowed time to remove frivolous XXXX report. I was not present when forms were signed. My husband was unable to understand statefarms forms. His signature is null and void and I demand you remove XXXX report because it violate all forms of medical laws by leaving it there
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were involved in a personal Chapter  XXXX  bankruptcy case in  XXXX . The case continued for several years and was successfully closed on  XXXX   XXXX ,  XXXX .   We sent copies of the final order closing the case to all  XXXX  Credit reporting agencies .. XXXX ,  XXXX , and Transunion.     We hired a credit repair service to work with all the agencies and creditors that had incorrect information. Most responded and after working very hard for several years, we saw major improvement in our credit scores from all  XXXX  agencies.      XXXX  has corrected my status to show that the Bankruptcy is closed,   XXXX   and Transunion still show me as in an active/open bankruptcy.     I am attaching the order from the US bankruptcy court officially closing the bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  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: Credit reporting or other personal consumer reports

I Received A Copy Of MY Credit Report And Saw Inaccurate ACCOUNTS REPORTING FRAUDULENT. These ACCOUNTS NEEDS TO BE REMOVE OUT OF MY CREDIT REPORT DUE TO THE FCRA LAW CODES FOR CONSUMERS. THESE ARE THE ACCOUNTS THAT ARE REPORTING FRAUDULENT.

PLEASE HELP ME RESOLVE THIS ISSUE. 

XXXX XXXX BALANCE : {$4900.00} ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX THESE ARE THE FCRA LAW VIOLATION CODE : 15 USC 1637B Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( 1 ) The conditions under which a finance charge may be imposed, including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge, except that the creditor may, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact.

15 USC 1681B A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law
or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

15 USC 1681Q- Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 USC 1681N-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.
Product: Debt collection

I do not remember this debt at all. I 've asked for verification numerous of times and have n't received anything yet. I do not believe this debt is mine because of the difficulty of verifying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly the coding on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report ) The coding on this item is incorrect and stuck in past due status. It is a violation of the Fair Credit Reporting Act and is mandated to be corrected or completely deleted from my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the ( 3 ) bureaus to resolve this however, I have not been successful.
Product: Credit reporting, credit repair services, 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. 

Account Name : 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 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 XXXXXXXX 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.

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

My wife had XXXX accounts with XXXX and closed both accounts and they were reported as closed and paid on time. However, on my Equifax and XXXX it is showing a 30 day late that never happened. I am attaching my XXXX that shows it paid ontime/closed and then my wifes reports showing no late payments ever. I was an authorized user and have been told that it has to go through the main person, however her reports are accurate so no dispute can be made.
Product: Student loan

I am receiving calls everyday, less than 24 hours from when I previously spoke to them. I give them the same spill, " I am unemployed, I do n't receive unemployment, I have no income whatsoever at this time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There is several accounts that was open to fraudulently.
Product: Debt collection

This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. What I want? I want this debt listed by _____ immediately removed from all of my credit profiles. They will ask have you tried to resolve this issue with the company. I have tried to resolve this and they are unable to verify that I have a debt / document with their company. That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Product: Credit card or prepaid card

This is about Barclay bank XXXX XXXX XXXX XXXX XXXX de, XXXX. I canceled a credit card I had with them on XXXX XXXX. Balance was XXXX XX/XX/XXXX they sent me an email saying I owed XXXX. I called rep said a charge was put on the card for XXXX on XX/XX/XXXX. the other charges were late fees. I asked why I didn't receive a statement/bill in XXXX and I would have paid it. Couldn't get no answer. I asked for and never did receive a statement. I didn't know I owed this even. The phone number on the email was XXXX, the phone number I looked up and called because I thought the email was a scam was XXXX. This rep told me it wasn't a scam. Another number XXXX XXXX XXXX came up Barclays bank called my home 6 times a day 6 days a week, if I answered they never said anything so I stopped answering. What I thin happened was they did a 6 month audit, found the charge and sent me an email saying I owed this money trying to get me to pay 6 months back late fees that I should not have had to pay. The last email I got said if I didn't pay XXXX by XX/XX/XXXX they were going to charge off the account to a collection agency and try to have them get me to pay. I didn't want my credit hurt any more so I paid it in full XX/XX/XXXX, I feel XXXX was stolen from me and I should have only had to pay XXXX if I owed that and if i would have received a statement in XX/XX/XXXX i would have paid it. I think Barclays bank has a very poor way of treating customers and doing business.
Product: Credit card

I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding my recent billing statement with Capital One. Upon reviewing my account, I have identified charges that I believe to be a result of security fraud. 

Title 15 USC 1666 ( Billing error ), section D ( Treatment of a Credit balance ) states : 1666d. Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall- ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. 

My account has not been, nor has ever been, credited for the certificate of indebtedness. Capital One has also never credit my account for the dividend payment that was made off of my treasury coupon, via the Electronic Funds Transfers Act of the interest from my treasury coupon.

l issued a tender of payment, via the certificate of indebtedness, via the dividend coupon that was attached to it. Per UCC 3-603 ( Tender of Payment ) my payment was refused, and UCC 3-604 ( Discharge by Cancellation or Renunciation ) I was informed by a Capital One agent that my payment was de
stroyed, the debt is discharged. 

My account has not been, nor has ever been, credited for the certificate of indebtedness. Capital One has also never credit my account for the dividend payment that was made off of my treasury coupon, via the Electronic Funds Transfers Act of the interest from my treasury coupon.
Product: Mortgage

I am writing to express my deep dissatisfaction with the mortgage lending process I recently experienced with Bank of America which my significant other and I initially started at the beginning of XXXX. The entire process was marked by a lack of transparency, repeated reassurances that were ultimately misleading, and significant delays that caused considerable stress and inconvenience. 

Throughout the application process, my partner and I were continuously reassured by your representatives that everything was proceeding smoothly. However, these reassurances were not reflective of the reality of the situation. Despite being told multiple times that our loan was on track, the closing date was extended three times at the beginning of XXXX. Each extension was presented to us as a minor issue with the HOA, with no clear explanation of the underlying causes or the potential impact on our ability to secure the loan. 

After enduring this prolonged and unclear process, we were ultimately informed that our loan application was declined due to the XXXX. This outcome was both shocking and disheartening, particularly after being led to believe for weeks that our application was progressing without issues. 

This lack of transparency and poor communication throughout the process is unacceptable, especially for a major financial institution like Bank of America. We expected a level of professionalism and clarity that was simply not met. The experience has caused us significant frustration and disrupted our plans, as we are now forced to go through this process again, but with a different lender. 

I was told the appraisal fee would not be reimbursed. We are now in a position where we are forced to pay for multiple appraisals because the new lender will not accept the appraisal from BOA.
Product: Money transfer, virtual currency, or money service

Wells Fargo XXXX Our offer to buy a property in XXXX was accepted on XXXX XXXX. My wife processed a first transfer of XXXX from our joint Wells Fargo account to her convertible account in XXXX. Within an hour after she made the transfer we decided not to go through with the purchase. She immediately requested that the transfer be stopped. A claim was filed # XXXXand she was told the issue would be resolved in ten days. It was not. She called again on XXXX XXXX. She was told they were still researching the claim. A case number was provided. XXXX. Wells Fargo assigned the case to XXXX XXXX. XXXX. She claimed that the funds were at my wifes bank in XXXX. XXXX checked with her bank and they assured her on XXXX XXXX that they did not have the funds. On XXXX XXXX I spoke with XXXX to seek restitution of the funds. She advised me that the funds were at the XXXX XXXX which Wells Fargo decided to use on its own as an intermediary Bank. She said the funds had been credited back but not released. Requests to release the funds had been made on XX/XX/XXXX and XXXX as well as XXXX and XXXX. She had no explanation for why it took 15 days to make the first request. I asked her to send me the documentation related to my case. She said I was entitled to that. I have yet to receive the documentation. I also requested contact information for the XXXX XXXX wire transfer contact for Wells Fargo. She advised me that because I requested documentation, the case would be elevated. Later that day we got a call from XXXX XXXX Senior Escalation Officer tel XXXX. He advised that he was researching the case and would not take more than ten days. I told him that if the funds are not in our account by Tuesday XX/XX/XXXX COB that I would file a complaint with the CFPB. I will do that on Wednesday. Keeping our money for more than thirty days without our permission or authorization amounts to theft.
Product: Debt collection

I rented a property from XXXX XXXX that almost XXXX  me due to XXXX XXXX XXXX.. I contacted the property manager XXXX XXXX and informed them that I had been diagnosed with XXXX XXXX XXXX my family pet XXXX my niece and nephew were also sick and that the XXXX XXXX XXXX cut off the heat due to the flex line leaking carbon monoxide. Immediately the manager XXXX got really mad. I told her there were no carbon monoxide detectors and that I would need a heater due to the heat being shut off because it was supplied with gas. Then they told me they would not and that they wanted me to move because I was causing them a Hassel. We almost went to court but after many documents we came to resolution and there was no debt owed. I have called them and asked them to remove the fraudulent debt and they claim they will continue to ruin my credit in retailation for the costs of fixing the flex line which had nothing to do with me. I have contacted the credit companies as well as the collector that has been trying to collect a debt I do not owe I also sent him the court document showing there was no judgement and the case was dismissed. They have not been willing to take it off my credit and I am homeless due to this false debt that they claim I owe even after I Almsot XXXX and my family pet did XXXX and my niece and nephews were sick due to there inhabitable living rental that they rented me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Over 30 days ago I submitted my police report to Experian and requested that fraudulent accounts be blocked from my credit report pursuant to the Fair Credit Reporting Act - Section 605B. Some were and some were not. The fraud accounts were blocked from the other bureaus. They are detailed in the credit report ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, & XXXX XXXX that was again uploaded to their website with hopes that this time they be investigated and removed as they are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with XXXX dollar balance dated in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, and XXXX, even after attempts of removal with credit repair company on my behalf. It also appears on XXXX  with the date of XX/XX/2011.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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