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

On XX/XX/2017 I received an email correspodence from a representative with XXXX XXXX XXXX XXXX XXXX. This correspondence stated that I had a past due bill of {$270.00}. The representative stated that {$25.00} of that amount was a late fee that was agreed to being waived after I had complained about it being added. Therefore the amount to be paid was now {$240.00}. I paid that amount. There should have been no more billing after that payment as my account had been closed for quite some time at the point of that payment. However, XXXX XXXX XXXX XXXX XXXX, continued to bill me with more charges. I disputed this information with the credit bureaus at some point and had these erroneous entries removed from my credit report. Over the course of time I have lost the original billing statement that I had sent in to the credit bureaus to prove that I had paid what I had owed at the time. XXXX XXXX XXXX XXXX XXXX sold the account to another debt collector and this falsely reported charge off has been hindering me for years. I even requested billing statements of which the collection agency provided incomplete statements. This collention agency provided statements from XX/XX/2017 and beyond. These are statements that should never have been sent me. When I requested statements from XXXX and XX/XX/2017 I never received a response with that information. Every time that I dispute this information with the credit bureaus, the credit bureaus allow the information to remain and report it as " resolved ''. If they have information to say that I owe a continued debt that I know that I do not owe, then they should be able to provide a statement of what was owed to them as of XX/XX/2017. That is the debt that was paid. I do not owe this company any more money nor should I owe any company that they sold a false debt to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting three fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since  XXXX    XXXX  , and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to  XXXX  back in  XXXX    XXXX  . After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until  XXXX   XXXX ,   XXXX  .  Five  months later, after requesting  one to  be sent to be beginning in  XXXX , they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that  XXXX  is servicing these loans and they are rejecting my fraud packet. However, whenever I call  XXXX  they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on  XXXX   XXXX ,   XXXX   and according to the packet credit reporting was to cease 15 days after receiving the packet, which was  XXXX   XXXX . They have yet to do so and had the nerve to tell me they ca n't because  XXXX  rejected the packet.  XXXX  does n't even know who I am when I call so how can they reject a packet? If anyone from  XXXX  actually bothered to called the  XXXX  number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!
Product: Credit reporting or other personal consumer reports

Thank you for the response. According to what was stated, There was no warning of my account being late, and I was in XXXX XXXX XXXX at the moment so I would like to request this account to be removed from my credit report since it was paid in full. My address is incorrect and even my name is incorrect.
Product: Student loan

Small late fees were being added to the principal, once and sometimes twice per month, for over a year. Called Navient, they said they would refund the fees and deduct the amount from the outstanding balance. However, I 'm so busy with life, I ca n't sit there and go through all my XXXX loans to see everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & XXXX XXXX XXXX XXXX. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Student loan

I have contacted MOHELA ( formerly XXXX ) for copies of the loan release form ( for school defrauding ) and they denied my access to the form, stating that because my school was listed as not-for-profit, they can't have participated in predatory practices. 

I contacted them a number of times throughout the months of XXXX and XXXX and on XXXX XXXX, 2024, I received correspondence from XXXX XXXX, Sr. Customer Advocate that they do not have to release this form. 

There was also misleading information given to me about in-school deferment processes. I was told that there was no such programme available to me, however, I have had it applied to my account in the past. 

I have been offered no supportive repayment programmes. Finally, I am looking for information regarding co-signer release, of which I have not received. 

They have also called and harassed myself and my family ( multiple calls an hour ).
Product: Debt collection

harassing and calling my father multiple times after my father has requested not to receive any additional calls from. The representative went on to say I see why your daughter doesnt pay her bills look at you..
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of fraud or a data breach, and I demand verifiable proof bearing my signature or electronic signature. 

This dispute is submitted personally, not through a third party, and requires your immediate attention. I never authorized these actions, and their presence on my credit report violates my consumer rights under : FCRA 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ].

FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Since I never authorized them, they are inaccurate and must be removed. Their reporting stems from a data breach or unauthorized disclosure by creditors or third-party data furnishers. 

I demand an immediate investigation and correction of these inaccuracies. Failure to act promptly may result in further action on my part.
Product: Money transfer, virtual currency, or money service

I had an account with Coinbase Pro. I forgot my password and kept trying to get in, but it always took me to Coinbase. After speaking with someone they told me my account was closed. And that everything was moved to Coinbase. I asked where the money was that was in my Coinbase Pro account, and they said they could see it but did not know how I could access it. They said they had to escalate the situation because they were not getting an answer. They explained I would receive an email in regards to this. That was days ago, and I have not received anything in response at all. I have no idea how long this account has been closed, they have made no effort to get any money to me, and I have been trying to get in for over a year now. The email address used is XXXX. That is the address associated with my Coinbase pro account that used to exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled and updated quickly. XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One incorrectly reported a default payment on annual fees on my account. In XXXX of XXXX I was charged a {$39.00} annual card fee. Then in XX/XX/XXXX I was charged a late fee. I paid all outstanding balances in XX/XX/XXXX, and had not principal balance since XX/XX/XXXX. Capital One reported two default payments to the Credit Bureau, when it should've just been one report.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Additionally, this breach may also violate the XXXX XXXX XXXX XXXX  ) ( 15 U.S.C. 6801-6809 ), which mandates financial institutionsincluding student loan servicersto implement safeguards to protect consumers ' private financial data. Unauthorized disclosure of my information also raises concerns under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), which regulates the accuracy and privacy of consumer credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to  XXXX and RBS Citizens, NA to  have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Product: Vehicle loan or lease

car was traded in want ref on gap and ext warr all was finance w loan
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX  CREDIT XXXX  XX/XX/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 CREDITXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSOANL INFORMATION TO OPEN THE FOLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX XXXX  XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX   XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX. 
OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX THE FOLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I HAVE ENCLOSED MY POLICE REPORT AND IDENTITY THEFT REPORT.
Product: Mortgage

Since last year, I have been trying to get the PMI removed from our loan. This was in process when we got switched to a new servicer, Freedom Mortgage. We made additional principal payments to bring our balance down to approximately 79 % of the original purchase price and sent multiple messages to Freedom Mortgage requesting in writing that the PMI be removed as required by the Homeowners Protection Act. They replied that we would still need a Brokers price option per investor guidelines and sent us a letter instructing us to pay {$100.00} to remove the PMI. This is despite the fact that home values in our neighborhood have risen considerably and our loan amount is less than 80 % of the original purchase price.
Product: Mortgage

I was trying to Modify my loan with XXXX which was later taken over by Wells Fargo. I suffered because it took over a year to modify during the process, I had to change companies and pay another company to take over and I encountered more fees.
Product: Mortgage

We are currently in the process of purchasing a condo located in XXXX, NJ. The loan application with PNC bank started on XX/XX/2021. The loan officer said without any doubt that PNC can do a 45 days closing for sure. So we went with them. The scheduled closing date is XX/XX/2021. During the process, PNC bank has been asking us for the same financials and employment verification of us multiple times although we have explained to the loan processor XXXX XXXX that we have already provided the documents and she would not listen to us. When it passed the original closing date, we have been following up with the bank and our loan officer XXXX said we can close during the week of XX/XX/2021 for sure however when it came to that week, PNC started to request the documents we have sent to them multiple times. And they havent even started the condo review at all. We escalated the application and filed a complaint. The branch manager XXXX XXXX told us the worst case closing date is XX/XX/2021. And the condo review will be finished within 5 days. And she promised she will provide us a daily update however she didnt do that. They started to request further documents from our condo. We had to call PNC general phone call every time in order to contact the processors because they never reply our email and phone calls. Our seller is planning to cancel the deal because the closing date has been delayed for a month. We strongly believe PNC bank owes every party evolved in this deal a clear answer about why the condo review has been delayed for so long and be transparent about the process.
Product: Money transfer, virtual currency, or money service

XX/XX/22 Posted a listing for my chaise sofa on XXXX for {$1500.00} Within 2 minutes I had 3 responses. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. 
I said I required cash only. 
Two asked if I could do Zelle or XXXX. XXXX did not respond again. 
I said I would prefer not to but I would. 
I was on with a woman XXXX XXXX XXXX for approximately 3 hours. 
I believe it was a scam and I sent {$300.00} to Zelle which I have no way of recouping. I was told to reimburse XXXX using XXXX which would not go through. She then gave me XXXX to use and it went through. XXXX paid the {$300.00} and along with the {$1500.00}. 
Zelle wanted me to send another {$500.00} for a Certificate. I would have to go to a store to purchase a XXXX XXXX. Different email addresses and names were used within XXXX. 
Messenger chat went until about XXXX or XXXX. 


XX/XX/22 XXXX started in again early in the morning. I told her I had to go to work and would get back later in the afternoon. She started again at XXXX I called my bank and they said to call the police which I did call and an officer came to my residence at approximately XXXX XXXX There is nothing I can do and really nothing they can do, bank, police or official Zelle. 
I have blocked XXXX on XXXX as well as the other woman, XXXX XXXX XXXX. And reported them as scammers. Especially after seeing posts on their pages in, I believe, what was XXXX. 

XX/XX/22 Filed a complaint with Zelle. Filed a scam with XXXX. Filed a complaint with Consumer Protection Agency Wisconsin ( XXXX ). 
Other email used from XXXX was : XXXX with the XXXX XXXX. and XXXX  XXXX XXXX logo was displayed in the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence Resource is reporting an erroneous debt on my credit file. I never received a call or notice about this debt and it recently appeared on my credit file. I immediately called Credence Resource and the original creditor to find out what this debt is for. XXXX XXXX says its for an XXXX XXXX XXXX debt but i have not had service through them for a long time and didnt not have them long enough to accumulate the debt that is being reported. I called XXXX XXXX XXXX and they said they can not find where the debt came from and i called the collection agency and they can not find me in their system. If this is a debt i owe i have no problem paying it but i need them to remove this from my credit file and send me my 30 day notice, as i have the right to be notified before this is added on my credit file, so i have time to settle and avoid this showing up on credit again. If it is not my debt i need it removed from my credit file ASAP.
Product: Money transfer, virtual currency, or money service

I started a wire transfer on Bank of America XX/XX/year> to refund a deposit I was holding for a XXXX that wanted to rent my property and later changed her mind. I did this on the banks mobile app, I made a mistake on 1 number on the receiving account. I called the bank and they told me that as soon as the receiving bank is not able to match the account to the person they would return the money and it would be put bank in my account and that would be done within 5 to 6 business days. I waited for the money to be returned and on XX/XX/XXXX I called and was told that the receiving bank had created a case number and had returned the money bank to them and that with 4 to 5 business days I would have the money back in my bank. I called them again over 10 days later and they can not tell me when the money is going to be in my account. Meanwhile the person that I owe the money continues to contact me for her refund and I do not the funds to return to her. Please help me I dont know what else I can do.
Product: Prepaid card

I was sent {$2400.00} from my client through Paypal. When I logged on to Paypal to transfer the money into my bank to balance our cash flow, the system showed that only {$69.00} of the {$2400.00} was available and the rest would be held for 21 days. I called Paypal and spoke with an agent and asked him to have the money released immediately as we were expecting theis money as deposit to start our work on the project. The agent walked me through the website to indicate that I was not selling anything that required the hold. He said after that process the money would be released in three days. After 4 days the funds were still held back. I called Paypal again and spoke with another agent who said he could not remove the hold and that he would have the supervisor email me a response to my complaint. I had to go through a lot of trouble to fix our finaces so that our chceks would not bounce. It is already 20 days and I just chceked, the money has still not been released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got out of XXXX  XX/XX/XXXX and starting my XXXX XXXX in XX/XX/XXXX I discovered I was a victims to identity theft and been steady trying to recover... 

XXXXXXXX XXXXXXXX is a lender I discovered works exclusively on loans for cars... 
They have approved a loan for someone else other than me but with my name. They allowed a car to be leased to someone that I don't have... I've contact credit bureaus XXXX XXXX  and made police reports with the local department and filed with the FTC
Product: Credit card

On XXXX XXXX, 2016, I received a letter from Wells Fargo Card Services informing me that my credit card account had been closed. ( I am attaching the letter to this complaint ). The reason provided by Wells Fargo was that there have been unusual activity on my account that that because Wells Fargo had been unable to reach me they had closed the account. Please note that I have not been contacted by telephone, mail, email or in any other matter by Wells Fargo concerning any aspect of the account. 
On the same day that I received this letter, I contacted Wells Fargo Customer Service. The customer service representative told me that she did not know why the account had been cancelled. She then kept me on hold for 6 minutes while she supposedly checked with the Fraud Unit. She came back to tell me the Fraud Unit had not cancelled the account, but that the account was cancelled by the Collections Department. I inquired why my account was in collections because it had not been past due and I had received no notifications ever from Wells Fargo that the account was past due. I then asked to speak to a manager. After another 7 minutes on hold a manager came on to inform me that he would transfer me to Collections. After another 6 minutes on hold he came back to state that I would need to send a photo ID to collections in order for them to discuss the matter with me. I found this to be completely unacceptable. At this point, I do n't much care if all of my accounts at Wells Fargo are closed because I am utterly dismayed by the incompetence of everyone at Wells Fargo. However I want to know why my account was closed and ensure that there has been no adverse actions initiated by Wells Fargo against me or my account. I also want to ensure that others do not have to deal with the gross incompetence that I have endured in trying to resolve a matter related to my account. I am hoping that the CFPB can help Many Thanks