23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> * date of transaction/enrollment I am writing to formally dispute my enrollment in the XXXX XXXX and request a full refund due to deceptive and misleading enrollment practices. 

I was led to believe that I had been selected for this program after taking an assessment test and undergoing a three-day interview process. The salesperson specifically stated that only a small percentage of applicants were accepted and that most people were turned away for not being the right fit. However, once I began the course, it became evident that the majority of students, as well as the so-called mentors, lacked the necessary qualifications to be either teaching or enrolled in a structured coding program. 

It is clear that I was manipulated into signing up through a bait-and-switch tacticbeing made to believe this was an exclusive, high-quality program when in reality, it did not meet the promised standards. This constitutes misrepresentation and deceptive business practices, which are both unethical and, in many jurisdictions, unlawful. 

Given these circumstances, I am requesting a full refund of the loan {$10000.00} as I was not provided with the quality education I was promised. I expect a resolution within a reasonable time frame, or I will be forced to escalate this matter through additional channels, including consumer protection agencies and payment dispute processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out multiple certified letters to Experian, XXXX and XXXX XX/XX/2022, XXXX. Here are some of the USPS tracking Numbers. XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX. However, the Credit bureaus said the completed investigation, and everything was 100 % accurate. Experian also quit sending me any other update on latest letters sent. 

According to the Law 15 U.S. Code 1681a- Definitions ; rules of construction. 
The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 
How they completed this investigation?
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with capital one I do not have a contract with this company they have failed to send requested information
Product: Credit card

I applied for a credit card that stated XXXX annual fees. Two weeks after receiving the card, I went to make the online payment and notice there was a {$65.00} Annual fee charge. I call Customer Service and informed them that the only reason I applied for this particular card is because it stated XXXX annual fees. The person I spoke with informed me that the only way to waive the annual fee is to close the credit card. I requested that he close the card and I will pay the balance minus the annual that he agreed to waive. I paid the {$250.00} and requested to waive the fee. After several transfers they informed me that they could not waive the annual fee sense I already used the card and the credit card is now close. I stated if I have to pay this annual fee then reopen the card! They stated unfortunately we can not do that! I informed them that the only reason I close the account is because they agreed to waive the annual fee. A supervisor got on the phone and said they will use my situation for better training purposes, however there is no way they can waive the annual charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$390.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$0.00}.
Product: Checking or savings account

On XX/XX/2022 while I was in work at the XXXX XXXX I noticed that I had four missed calls from The Bank of America where I do have a few accounts. I called back the last call and was told that this was the fraud dept from the Bank of Am and were calling to check some activity that they thought was fraud. They asked me if I had made some purchases in XXXX XXXX XXXX Florida. They told me that my account was used at XXXX for XXXX and some odd dollars, XXXX XXXX for XXXX and some odd dollars in XXXX for XXXX something. I told him that I did not make these purchases. They then asked me to sign onto my mobile account which I did and go to XXXX where I noticed that there was two transactions going to somebody that I did not know. The name is XXXX XXXX and the amounts were {$1000.00} and {$200.00}. He told me that I needed to reverse the transactions so the money didnt get sent. So he was walking me through what to do and I was sent a code which I then put into the phone and he told me that was the only way they could reverse the transaction. After I did this while we were still working on it we got disconnected. I immediately went to my pocketbook and got out my debit card and called the number on the back of the card. I told the customer service person what had happened and she told me it was fraud they didnt have any list I need a listings of the three charges from XXXX XXXX XXXX and the XXXX transfers were fraudulent. At that time I did not even have enough money in the account to cover the two transactions and I reported to them that I did not do these transactions I dont know that person. I spoke to about three different people that day and was told that a case would be started. I never received any kind of type of contract correspondence stating that a case had been started either by email or mail and about two weeks after I called to see what was going on with us these transactions and I was told that that money has been sent and that they denied my claim. At that point I had been paid again so more money went into that account still not account enough to cover both transactions it was about {$85.00} shot at that point. I spoke with somebody else and they told me that they were going to put in for a review again about what happened she didnt seem to have all my information that I reported on my report. I waited about another week and called again and was told again that it never went for a review it was denied originally and there was really nothing I could do about it. I was told the transaction was denied because they could see that I authorize the transaction from my mobile device when I put the pin number in. I had explained to them that I dont know that person that money was going to and I believe that I was talking to a Bank of America personnel person and I was reversing the transaction I thought. Call I have tried to reach out to them but was on hold for a long time to see if they could find out where the transaction originated from but have had no luck at this point. I dont know if there is some thing that you can do to help or any advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency is reporting a Chapter XXXX bankruptcy which does not belong to me. I sent a letter to the US Bankruptcy court in XXXX inquiring about the bankruptcy and they replied with a letter telling me that they do not report ANY INFORMATION to the credit bureaus. The court advised me that the credit bureau obtained this information independently. A copy of this letter from the bankruptcy clerk is attached. I sent a letter to Experian requesting they delete this inaccurate bankruptcy information and they refuse to delete it. They claim the information was obtained from XXXX XXXX. I contacted XXXX XXXX, who informed me that had put a security freeze on my data file because my information may have been used fraudulently. I have also attached a copy of the letter from XXXX XXXX. Experian credit reporting agency is also reporting an account from XXXX XXXX. I have written several letters to XXXX XXXX at the address listed on the credit report and those letters were returned to me " undeliverable ''. I sent this information to Experian and they refuse to delete the inaccurate account from my credit report. According to the Fair Credit Reporting act, ALL INACCURATE UNVERIFIABLE INFORMATION SHOULD BE DELETED FROM CREDIT REPORTS. Experian has simply ignored my request. I have uploaded/attached all copies of letters and documentation to support the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent a letter to this credit reporting agency about the following errors and violations. A fraud alert was placed on my account without my permission. My Address is XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX. Please note that XXXX XXXX XXXX XXXX, GA. XXXX is not my address and XXXX XXXX is not my previous or current employer and should not be listed on my credit report. 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 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. These items have been reported inaccurately and without my consent which i have disputed. I have attached proof of the dispute letter that i sent certified, as well as the inaccurate results of Experians investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ) XXXX XXXX ( XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent three letters to XXXX, Equifax, and XXXX ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX, Equifax , and XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... XXXX, Equifax, and XXXX acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..
Product: Credit reporting, credit repair services, or other personal consumer reports

i started contacting them in  XXXX  concerning an entry of a bankruptcy. i sent a letter to clerk of courts office and was sent a letter saying this information belongs to someone else.transunion stated they used a third party to verify information but my report has security freezes on them.so they are being untruthful and is only suppose to take 30 days to investigate and it is way beyond that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Inquiry details XXXX Mort Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX XXXX : Inquiry details XXXX XXXX., XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and inaccurate personal information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureau. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate informations and inquiries listed below as a result. XXXX, XXXX, XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The original creditor XXXX XXXX representative that was spoken with on XX/XX/2023 stated that the collection account would be removed from credit file as there is no balance due. However CCS USA is not honoring the original creditors wishes.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX - XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$1000.00} reported XX/XX/XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I have been charged XXXXXXXX XXXX XXXX in overdraft fees over the years.
Product: Money transfer, virtual currency, or money service

I was in the middle of getting a title processed to a new Condo I was purchasing, A Certified Check was to be used. Got it done from my bank out of my checking account Made out to XXXX XXXX XXXX XXXX XXXX went on the XXXX  app to fill out the info on the Condo and all Parties involve ( seller, myself, and the Title company to send the payment. 
On the certified Check was the correct info as well as the order number put on the check and found out a different company XXXX XXXX that was not named on the check deposited it and cashed it. in the same day. I alerted the XXXX support team on the issue they gave me the info on the company list above that deposit it and cashed it XXXX support team provided me with a phone number which I called. Could not get through the same day, got a returned call the next day. on this matter.I informed them and was putting a spot on the check I was told by the company how they do not handle deposits and as long as I got it handle it should be okay as they hung up the phone. 
I did do a stop order on he check with my bank. called it in The teller fell to tell about the part of coming down to fill out paperwork the same day. was told by the XXXX they tried to call me and stated my voice was not setup. when I asked what number did they call they could not say.
Product: Mortgage

To whom this may concern, I received a tax bill from my county in XXXX where it showed that I had some delinquent taxes not paid. I immediately reached out to our servicer PennyMac to advise them about the bill. They initially told me to disregard it because they had already paid my taxes. So, I did, initially. However, after reaching out to the county they told me I indeed owed taxes. So, I reached back out to PennyMac and started a request to get the taxes paid. They apologized for the situation and told me to send in the tax bill via their messaging center. So, I did on XX/XX/2023. Since then, they have told me it would take 14 business days to get it to the right department. After a few weeks a representative reached out via their message center and said my next statement will reflect the payment they sent. However, they only sent {$35.00} of the {$1400.00} owed. I have again been reached by the county and was told they will start charging me late fees. We have already assessed a late penalty fee of {$120.00} and an interest charge of {$22.00}. We have a servicer and an escrow account set up in order to avoid these types of things. They have yet to help me with this and I am getting ready to XXXX XXXX with this issue still looming over my head. Please help me resolve this because PennyMac has not made it a priority to review the bill correctly.
Product: Student loan

Hi- I submitted a form for loan forgiveness for XXXX over a month ago to Mohela in early XXXX. There's a box to check to request for forbearance while they verify if you qualify or not for forgiveness. I checked this box. 

I understand that it can take 90 days to see if you qualify for forgiveness, but my issue is the fact that they haven't NOT put my loan in forbearance in the meantime, even though it was requested. We've tried calling, but with waits times over an hour, its impossible to get a hold of anyone to ask questions. 

Others have had similar issues and said that they've reached out to the CFPB for help and that it would be a good idea for me too as well. 

Thank you
Product: Credit reporting or other personal consumer reports

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 :. 

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 INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy Court Reference # : XXXX XXXX Account : XXXX XXXX XXXX AccountXXXX XXXX XXXX XXXXXXXX XXXX XXXX AccountXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These items NEEDS TO BE REMOVED ASAP AND SEND ME THE MAIL WITHIN 4 BUSINESS DAYS REFLECTING THE REMOVED ITEMS
Product: Debt collection

Southwest credit systems keeps adding and removing {$1.00} from my account monthly on updates. They are using a tactic to trash my credit report since it looks like a fresh collection every time it gets updated. Please see attached files for photo evidence
Product: Mortgage

In XXXX, our mortgage lender was noted as XXXX XXXX. On XXXX I made digital payment of {$2800.00} to XXXX XXXX via my Bank. During that same time, my payment was not properly transferred and get reported by the then new owning mortgage company DiTech Financial. 

As a result, I was informed by DiTech that I was in default of 30 days for not paying my loan. XXXX, I made 2 payments for {$5600.00} and shared my grievance for paying 2x. The call support agent filed a case but no action was taken to resolve the discrepancy in payment and accounting on their end. 

As of XXXX, my credit reports have been negatively effected by 2 credit unions as a result of this issue and I am in the process of buying a new home and would like assistance to correct this issue and receive a refund of the additional payment that was made that I never received back from DiTech. 

I have bank statements of all payments made as evidence of my account status. 

Best, XXXX XXXX XXXX : XXXX T : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, WA, XXXX